Close the Loopholes: Protect Accident Victims from Insurance Delays and Medical Access


Close the Loopholes: Protect Accident Victims from Insurance Delays and Medical Access
The Issue
Introduction (Attention + Human Story):
On September 19, 2025, I was struck from behind by a vehicle while waiting in line for food distribution in Rockdale, Texas. Despite witnesses, the driver’s insurance information, and ongoing injuries (spinal spasms, neck pain, balance problems, and headaches), I was told no official crash report would be filed because the accident occurred on private property.
When I sought medical care, I was told my primary care physician would not be available until four days later, and non-emergency medical transportation could not schedule me for nearly a week. In the meantime, my symptoms worsened while the system stalled.
This isn’t just my story — it’s happening to people everywhere.
Problem Statement (Systemic Failures):
Private Property Loophole: Police often refuse to file official crash reports when accidents happen in parking lots or private spaces, leaving victims without critical documentation.
Insurance Denials: Without official reports, insurers exploit this gap to delay or deny claims.
Medical Access Barriers: PCP gatekeeping, delayed non-emergency transportation, and scheduling backlogs prevent timely care.
Health Consequences: Victims are left in pain, untreated, and at risk of permanent injury — simply because of bureaucratic inefficiencies.
Our Demands (Target Outcomes):
We call on lawmakers, insurance regulators, and healthcare administrators to:
Require crash reports for all vehicle accidents with injury, regardless of location (public road or private property).
Hold insurers accountable to honor claims when plate numbers, witnesses, or partial records exist — even without a CR-3 report.
Streamline medical access by expanding urgent care transport options and mandating faster non-emergency medical transportation scheduling.
Protect victims by ensuring continuous documentation counts as valid evidence.
Why This Matters:
No one should suffer while paperwork and red tape stand in the way of care. Bureaucratic loopholes should never determine whether an injured person receives treatment or justice. By signing this petition, you are calling for a system that protects people, not insurers or administrative delays.
Closing (Call to Action):
Join me in demanding accountability.
Together we can close these dangerous loopholes, force insurance and medical systems to respond to victims with urgency, and ensure no one is left without care after being struck, injured, or harmed.
Sign today — and stand with accident victims worldwide.

1
The Issue
Introduction (Attention + Human Story):
On September 19, 2025, I was struck from behind by a vehicle while waiting in line for food distribution in Rockdale, Texas. Despite witnesses, the driver’s insurance information, and ongoing injuries (spinal spasms, neck pain, balance problems, and headaches), I was told no official crash report would be filed because the accident occurred on private property.
When I sought medical care, I was told my primary care physician would not be available until four days later, and non-emergency medical transportation could not schedule me for nearly a week. In the meantime, my symptoms worsened while the system stalled.
This isn’t just my story — it’s happening to people everywhere.
Problem Statement (Systemic Failures):
Private Property Loophole: Police often refuse to file official crash reports when accidents happen in parking lots or private spaces, leaving victims without critical documentation.
Insurance Denials: Without official reports, insurers exploit this gap to delay or deny claims.
Medical Access Barriers: PCP gatekeeping, delayed non-emergency transportation, and scheduling backlogs prevent timely care.
Health Consequences: Victims are left in pain, untreated, and at risk of permanent injury — simply because of bureaucratic inefficiencies.
Our Demands (Target Outcomes):
We call on lawmakers, insurance regulators, and healthcare administrators to:
Require crash reports for all vehicle accidents with injury, regardless of location (public road or private property).
Hold insurers accountable to honor claims when plate numbers, witnesses, or partial records exist — even without a CR-3 report.
Streamline medical access by expanding urgent care transport options and mandating faster non-emergency medical transportation scheduling.
Protect victims by ensuring continuous documentation counts as valid evidence.
Why This Matters:
No one should suffer while paperwork and red tape stand in the way of care. Bureaucratic loopholes should never determine whether an injured person receives treatment or justice. By signing this petition, you are calling for a system that protects people, not insurers or administrative delays.
Closing (Call to Action):
Join me in demanding accountability.
Together we can close these dangerous loopholes, force insurance and medical systems to respond to victims with urgency, and ensure no one is left without care after being struck, injured, or harmed.
Sign today — and stand with accident victims worldwide.

1
The Decision Makers
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Petition created on September 20, 2025