08-21-2019, 04:13 PM
(08-21-2019, 01:08 PM)Cormanus_imp Wrote:(08-21-2019, 07:49 AM)zbillster_imp Wrote: So Progressive insurance has been pretty swell about all this ... the guy who did the estimate on the bike is a big CB/retro fan and was telling me how much he loved seeing my bike. (It's still in the Honda shop ... their estimate just got finalized so probably waiting for parts from Japan ... I should have mentioned that my RLETs popped off and were lost in the grass.)
The personal injury adjuster told me that getting proper paperwork out of Baylor is like pulling teeth, and it's true. I joked that every time I go outside now, I pin a note to my chest that says, "Do NOT take me to Baylor hospital."
If I wasn't passed out I would have opted for an Uber to an urgent care clinic.
With the personal injury coverage, I am in much better shape than if I just had my cheapo private health insurance from 2018 ... then I would be subject to an $8000 deductible plus 40% coinsurance on the ambulance, scans, etc. Hopefully I will just be out the $1000 deductible on the policy.
(08-21-2019, 08:20 AM)The ferret_imp Wrote: the rlets took most of the hit by popping off. Shudder to think how bad it could have been had you not had them on when this happened.
Gee this sheds a new light on things. When did the RLETs pop off? Was it before the accident? Maybe losing them caused it? Or was it during the accident when they popped off to provide you with some protection? Or did they do a runner after the event?
Seriously, zbillster, the hospital costs are staggering. Perhaps this is not the place to speculate on why they are so high or what could be done, but I shudder to think how people who either can’t afford insurance or ca; afford only crappy policies get on in circumstances like yours.
I hope you’re recovering OK.
(08-21-2019, 08:20 AM)The ferret_imp Wrote: the rlets took most of the hit by popping off. Shudder to think how bad it could have been had you not had them on when this happened.
Gee this sheds a new light on things. When did the RLETs pop off? Was it before the accident? Maybe losing them caused it? Or was it during the accident when they popped off to provide you with some protection? Or did they do a runner after the event?
Seriously, zbillster, the hospital costs are staggering. Perhaps this is not the place to speculate on why they are so high or what could be done, but I shudder to think how people who either can’t afford insurance or ca; afford only crappy policies get on in circumstances like yours.
I hope you’re recovering OK.
1. I located the RLETs ... they are still on eBay, waiting for me to buy them.
2. Yeah, I don't want to get into a debate about heathcare economics here (though I will include a podcast link below with some historical insight and leave it at that) ... but the main reason I have to give up the motorcycle hobby is the potentially devastating economic effects of events like this ... just imagine if I was more seriously injured and in the hospital for weeks or months ... I would be living in a cardboard box on the street after recovery.
And, technically, this was "the other guy's" fault and he should be financially responsible, but because I avoided the collision ...
I also don't want to be a downer on the forum ... I avoided reading or listening to crash stories when I got back into riding again ... I just didn't want to think about it ... but it is a reality I now have to face.
3. Recovery ... just giving the broken collarbone time to heal, and wearing out my sprained left hand with typing.
I am hoping there is no strength or function loss or chronic pain down the road ... mostly depends on how the broken bits fuse back together naturally and whether there is any shortening ... if not, surgery may be in store to rebuild it ... and that's another $10,000 to $20,000 out of my pocket. Here's the podcast link, and that is all I will say on that topic here ...