Stopped

Insurance companies are concerned about fraud. I am sympathetic.

But making someone whose wheelchair you purchased, meaning you were confident it wasn't fraud, get authorization from a doctor and yourself before allowing a repair seems less about fraud and more about trying to make things stupidly hard.

And if I were such an awesome fraudster, why would this stop me?

If, however, I were someone who relies on his chair to get around, it would totally stop me.