My DH went with our daughter to pick up our other child. Somehow her PDM fell out of the car, by the time they realized it, the PDM had been run over in the parking lot and smashed and will not turn on and the screen is broken. What do you do in this situation? Do you have to pay the full price -- which I think is like $4000! Does homeowner's insurance cover it? She's only been on it for nine months, which means our health insurance wouldn't pay for a new one for another 3+ years. My husband just got laid off from his job, so we can't really afford to replace this. I just don't have the heart tell my daughter that she has to go back on MDI because we can't afford to purchase her a new PDM.