Personal injury protection on your moto: just add it

[zbillster_imp]

With changes to my self-employed health insurance status in 2019, I decided to add the maximum personal injury coverage I could on my Progressive policy ($25,000). At the time near the end of the policy term, it was only $100 or so.

So glad I did.

This is less than 24 hours in the hospital for concussion, broken collarbone and some minor abrasions on my arm:



Oh, and that's with the discount applied:



Funny, I don't remember that many nurses in my bed. Must have been the champagne they ordered.

It doesn't include the ambulance ride ($2000), the doctor's time ($850), more bloodwork ($150) and follow-up visits with the orthopedic physician's assistant (so far $200 a pop).

Some of the crazier charges include about $1000 for 30 minutes of "physical therapy evaluation" ... which translates into walking me around for 10 minutes and asking me questions about my name and such to see if I can answer.

The big ticket items were x-rays and body scans ... about $12,000 before discount. I guess that's the infamous machine that goes "ping."

Fun times!