Help me recover after being t-boned by a truck

Chloe Mibus is organizing this fundraiser.

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Hi, my name is Chloe, and I’m reaching out for support during one of the most difficult times of my life. On October 2nd, 2024, I was t-boned on the driver’s side at more than 100 kmph while on holiday in Canada. I was driving, and the only person in the car at the time. Even though I was briefly trapped, I managed to extract myself from the vehicle, crawl to relative safety, and make the 911 call.

The multiple life-threatening injuries I sustained have a 5-10% survival rate, and include:

Bruised heart (equivalent to moderate heart attack)
Multiple broken ribs
Contusions on both lungs
Both lungs partially collapsed
Grade IV splenic laceration
4 complex fractures in the sacral spine, including the SI joint
Shattered left side of pelvis
Multiple complex fractures on the right side of the pelvis
All the muscles in my pelvic floor, lower back, and inside of the left leg have been torn
Lacerated liver
Both kidneys bruised
Significant bladder injury (thickened and bruised bladder & large prevesical hematoma)
GI damage/bleeding
Tendon damage in my lower back, left leg, and left ankle
One DVT and another blood clot in my left leg
Although I have not yet been diagnosed with PTSD, I am undergoing treatment for acute stress/shock

Right now, and for the foreseeable future, life is incredibly painful and difficult and while I am oftentimes grateful to be alive, the journey ahead is long, difficult, and uncertain.

I required inpatient care for a month and a half which consisted of time in ICU, acute care, and towards the end, inpatient rehab. Trying to adjust to life outside of the hospital is extremely difficult and even now, three months since the accident, I still need full time care at home. I’m deeply grateful for the enduring support of my aunt and uncle who have taken me in, but I’ll need ongoing help for at least the next year to support my intense outpatient rehabilitation.

How You Can Help:

Due to the accident happening outside of my home country, my medical insurance coverage is capped (unlike the healthcare in Australia), and with such severe injuries, the costs mounted extremely quickly, exceeding the amount insurance says they will pay. I also don’t qualify for coverage under TAC (Transport Accident Commission in Victoria) for this accident, despite being a resident. Disgustingly, healthcare costs for foreigners are automatically nearly doubled in Canada, and the hospital fees alone—excluding treatments and services—amount to nearly $5,000 per night.

Insurance has covered some Canadian hospital fees up to a certain amount, but there are still many expenses unaccounted for. Due to the reality of an extremely long recovery and permanent disability, I also opted to return to Australia as soon as I could after the accident. To take this flight, I had to purchase mobility equipment (wheelchair, walker, commode, Roho cushion, etc), stock up on unsubsidised medications, have my mum fly to Canada to accompany me (as I was not cleared to fly alone), and secure accessible flight tickets. The costs for this journey were around $50,000.

Given that the recovery is so long, my ability to generate income will be significantly impacted for many months so the thought of any more large, unexpected expenses is extremely daunting.

Lastly, I’ve lived out of Australia for the last 2.5 years so I have concerns about supporting myself throughout rehabilitation, and transitioning back to life down under with such overwhelming limitations.

Your donation will go towards:

Canadian medical bills, including hospital stay, ambulance services, A&E services, medications, mobility equipment, medical imaging, orthopaedic and trauma surgeon consultations, OT and physio services, emergency mental health care services.
Rehabilitation and physical therapy costs (almost daily treatment is expected to be required for the next year at least). I currently require physiotherapy, occupational therapy, hydrotherapy, pelvic floor physical therapy, and gynaecology services.
Dental work as multiple teeth were chipped or fractured upon impact.
Daily living expenses during the long recovery period, including medications (which cost ~$170/week right now even with PBS subsidies), utilities, food, etc.
Assistance with transportation to and from medical appointments as I will be disabled for the foreseeable future.
Ongoing psychological and mental health services. Although some care will be subsidised in Australia, I’m deeply concerned about how much support I’ll truly need to find my place in this world again.

Why Your Support Matters:

I’ve always taken pride in helping others—whether friends or strangers—and never thought I’d be in a position to ask for this kind of support. It’s been a rude and cruel awakening to realise that had this accident happened in Australia, there wouldn’t be this enormous financial strain on top of the numerous other challenges, like trying to stay alive. It’s a deeply dehumanising experience.

I’m someone who believes that people are fundamentally good, and that with hope, love, grit, and compassion, life can be wonderful in almost any circumstance if we choose to make it that way. I am fiercely determined to focus on my blessings, let myself feel the warmth of love and sunshine, and to let this series of horrors make me a better, more compassionate, and positive person.

I’ll admit that setting up this GoFundMe raises many difficult emotions: sadness, shame, embarrassment, devastation, and heartbreak. Part of me still hopes I’ll wake up from this nightmare, with no scars and able to walk again immediately and have all my blood back where it’s supposed to be. If only it were that simple.

But I am not too proud to ask for help. This accident has been hell, and I need your support to come out the other side.

Any contribution, no matter how small, will make a huge difference in my life. If you’re unable to donate, sharing this page with your network would mean the world to me.

Regardless of your ability to financially contribute, you can still make a difference by holding your loved ones a little tighter today, letting them know how cherished they are, and counting all your blessings together. Any good we can do in the world makes a difference.

Thank you so much for taking the time to read my story. Your kindness, support, and generosity mean the world to me <3