Not knowing specifically the details of the policy but if it was only insured for $9000-00 then that is what they would normally pay if it was written off, it in all probability should have been insured for an "agreed" value, as to the wheelchair, no idea but would have thought household policy to cover that.  I think the insurance co is just trying to keep a good name in doing what they are doing, pity it takes a tv report to get them into action.

My dil's car just got written off, not her fault,we thought it could have been fixed. Her replacement car cost her more than she got from the insurance, that has to come out of her pocket.