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2008-06-22 12:05 PM
in reply to: #1481044

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Veteran
320
100100100
Lowestoft, England
Subject: RE: Got hit by a car today
Thank God your okay. Enjoy your holidays.


2008-06-22 12:06 PM
in reply to: #1480240

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Veteran
120
100
Long Island, NY
Subject: RE: Got hit by a car today
happy to hear that you are ok...my friend got hit by a car yesterday and is still shocked he is alive. stay positive and be safe!
2008-06-22 12:23 PM
in reply to: #1480240

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Master
3127
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Sunny Southern Cal
Subject: RE: Got hit by a car today
Wow man, glad you are alive to tell the story.  That could have been much worse.  Bounce back and kick butt in your IM.
2008-06-22 12:31 PM
in reply to: #1480240

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Veteran
110
100
Calgary
Subject: RE: Got hit by a car today

Hope you have a quick recovery, $ can buy a new bike but not a new body. you were truely lucky...

2008-06-22 12:39 PM
in reply to: #1481034


50
2525
Subject: RE: Got hit by a car today
Rogillio - 2008-06-22 12:41 PM

Thanks Richard.  This is good to know.  I don't know if we have 'uninsured motorist' or not but we have pretty good insurance (USAA) so I bet we have this too.  Did your wife get anything for 'pain and suffereing'?  I'm not looking to sue anyone and am not looking at this like a lottery ticket but it would be nice to get few bucks to mabye get some better aerobars or something. 

~Mike

Mike - yes, she did get some for pain and suffering, but it took a while to get that.

Our insurance claim was done in two parts.  First was the bike, and second was the injury.  The bike got taken care of pretty quickly, within a month or so, because it was so straightforward.  That was the part where the LBS came into play, and we came out with a little bit extra there without us really trying, as I explained in the post.

Injury was second, and in our case it took a while because of the extent of her injuries.  The medical bills did get paid by insurance as they came in, so that was no problem.  It was really the "pain and suffering" part you referenced that took a while.  The biggest reason for that was that they wanted to see how well her broken elbow rehabilitated and how much scarring she'd have on her elbow and her leg (where the car bumper made contact).  I was concerned about this part, because the medical bills alone took all of the driver's insurance coverage, and ours had picked up paying by the "pain and suffering" part.  Thankfully in the end her elbow healed totally with much PT.  She did wind up with a nasty scar on her leg, so in the end they offered her roughly $15k to cover the pain, scars, etc. 

We also had no desire to sue or look at it like a "lottery ticket".  In our case, my wife thought she and the lady were making eye contact.  Instead, what the lady saw was a kid on a bicycle who was riding down the middle of the road.  It turned out my wife was almost directly in the line of sight between the lady and the kid.  The driver literally looked right through my wife, and when the kid turned, the lady pulled out - right into the side of my wife.  The driver admitted fault from the beginning, and even went to the hospital so she could be there with me in case I didn't have any family or friends when I got there.  She was devastated.  I have to say that while it was a mistake on her part, it wasn't like she was driving aggressively, or failed to stop at the sign, or was fiddling with something she shouldn't have been.  It was a simple mistake, so it was impossible to be angry with her.

Having said all that, I would think "pain and suffering" is a legitimate claim for your type of accident.  Given the pictures you showed, I'd expect a nice set of aerobars to be well within what you should request and expect. 



Edited by Wolfgate 2008-06-22 12:40 PM
2008-06-22 1:10 PM
in reply to: #1480240

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Expert
1231
100010010025
B'ham
Subject: RE: Got hit by a car today

Glad to hear you're ok, heal up quick and enjoy that vacation.  Some helmet manufacturers have a crash replacement policy, something else you might want to look into.  I had one replaced after a good mt. bike spill.

This is why I limit my rides to 65 miles, tops 



2008-06-22 1:15 PM
in reply to: #1480240

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Master
2005
2000
South Florida
Subject: RE: Got hit by a car today
Wow.  You really are an Ironman to be able to walk away from a crash like that.  So scary.  Glad your card wasn't up today!!  Heal fast. 
2008-06-22 1:35 PM
in reply to: #1480240

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Champion
6046
5000100025
New York, NY
Subject: RE: Got hit by a car today

glad you are ok!

bike is replaceable you are not!

 

amazing you are that unscathed! 

2008-06-22 1:49 PM
in reply to: #1480240

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Pro
4675
20002000500100252525
Wisconsin near the Twin Cities metro
Subject: RE: Got hit by a car today
You are one lucky man!  It's incidents like this that have made me always get out of aero if I see vehicles approaching an intersection and I always always always always assume without exception that the driver will make a stupid decision, assume that they don't see me, and do not trust them to obey traffic laws and yield the right of way.  When they do, I always wave "thank you" to them. Hope your recovery is a quick one so that you can race IM.
2008-06-22 1:59 PM
in reply to: #1480240

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2008-06-22 2:15 PM
in reply to: #1480240

Extreme Veteran
444
10010010010025
Olathe, KS
Bronze member
Subject: RE: Got hit by a car today
I am so sorry to hear about your accident, but so glad that you are (moslty) ok! I hope you heal up quickly, enjoy your vacation, and get back to your IM training soon. And give your wife & kids some extra hugs!


2008-06-22 4:10 PM
in reply to: #1480240

Elite
2527
200050025
Armpit of Ontario
Subject: RE: Got hit by a car today

Good vibes being sent your way to speed the healing, dude!  After reading your OP I was dreading hearing worse injuries; glad you didn't have anything too serious. 

Heal fast and happy bike shopping, mate. Best of luck in your recovery and IM training.

And yeah - post some pics of the new ride when you get it.

 

2008-06-22 4:11 PM
in reply to: #1480240

Elite
2527
200050025
Armpit of Ontario
Subject: RE: Got hit by a car today

Good vibes being sent your way to speed the healing, dude!  After reading your OP I was dreading hearing worse injuries; glad you didn't have anything too serious. 

Heal fast and happy bike shopping, mate. Best of luck in your recovery and IM training.

And yeah - post some pics of the new ride when you get it.

 

2008-06-22 6:37 PM
in reply to: #1480240

Veteran
265
1001002525
Grayson, Ga.
Subject: RE: Got hit by a car today
Dude, your bones are stronger then carbon fiber, you are from this planet, right?

Really, speed recovery.

I'm still in awe of the pictures, I'll PM ya, when my heart start pumping again.

-Brian
2008-06-23 6:40 AM
in reply to: #1480240

Veteran
248
10010025
Mooretown, Ontario Canada
Subject: RE: Got hit by a car today
Man, that is one scary story, although I'm glad it has a happy ending and your kids still have a father. I'm truly glad you are doing OK, and sorry about the bike, but like everyone else has said, it can be replaced.

Hope you heal up in time for Louisville, as I was looking forward to meeting you there.

FishHog
2008-06-23 7:30 AM
in reply to: #1480240

Champion
6962
500010005001001001001002525
Atlanta, Ga
Subject: RE: Got hit by a car today

Mike,

Again, I don't see how she could have missed you with that Jersey on.  At least it takes away the, He blended in defense.  ;P

I'm glad you made it and will be able to take your vacation relatively normally.  USAA is an awesome insurance company and they should take care of you.  Heal quickly and don't let this disuade you from hammering that brand new sweet bike you're going to get.



2008-06-23 8:13 AM
in reply to: #1480240

Expert
937
50010010010010025
Traverse Cityish
Subject: RE: Got hit by a car today
Been there, done that and it's no fun at all. Glad to see you don't have a head, spinal injury or multiple fractures. Get that ankle healed up well before getting back to training and try not to get too antsy from the in-activity.

On another note, I'm not sure what the rules are in your state, but here in MI homeowners covers the bike. You can calim your helmet, torn jersey, all bike parts, etc. If it's scratched, dented, torn or blemished, log it. In fact have your bike shop put together an estimate for full MSRP replacement of everything that was damaged.

Most importantly, crack open a beer, thank the higher powers, hug your family and be happy you are posting about this and not bubbling into a dribble cup.

Edited by Nelg 2008-06-23 8:14 AM
2008-06-23 8:58 AM
in reply to: #1480240

Champion
10471
500050001001001001002525
Dallas, TX
Subject: RE: Got hit by a car today
DAMN! I'm over here at work gasping! I'm so loud my coworker asked what's up.

Mike, that's so upsetting. I'm so upset. I can't believe this happended to YOU! Sh&t!!!!

At least you are OK. Nothing life-ending. The bike, oh the bike. Dang it. Your poor bike. I hope it gets replaced by the a-hole driver who ran the stop sign.

Please keep us updated on your progress. I was hoping to meet you in Kentucky.
2008-06-23 8:58 AM
in reply to: #1480240

Expert
986
500100100100100252525
Michiana
Subject: RE: Got hit by a car today
You look a lot better than you're bike.  Godspeed on your recovery.
2008-06-23 9:26 AM
in reply to: #1480240

Expert
1074
10002525
Madison, MS
Subject: RE: Got hit by a car today
Holy moley! Very, very scary. Can't believe you fared so well after seeing the bike. But hugely glad that you did. Recover quickly and good luck at your IM.
2008-06-23 10:24 AM
in reply to: #1480240

Extreme Veteran
790
500100100252525
Rocklin
Subject: RE: Got hit by a car today
Jeez, I been on vacation 5 days, and you went through a hell of a lot. Glad to see you are basically in one piece, and your sense of humor is in full force.

Heal well, and enjoy your vacation.

AC


2008-06-23 10:32 AM
in reply to: #1480240

Veteran
120
100
Long Island, NY
Subject: RE: Got hit by a car today
I feel like everyone (cyclists at least) I know either wiped out (me) or got hit by a car (a couple of my friends and you) this weekend. Im just glad everyone is ok and hopefully everyone can stay safe and continue to enjoy cycling.
2008-06-23 10:47 AM
in reply to: #1480240

Champion
6786
50001000500100100252525
Two seat rocket plane
Subject: RE: Got hit by a car today

 

Dayum!

I am sorry to see you get whacked like that. I hope you recover fully and quickly....and get back on the  bike ASAP.

2008-06-23 10:51 AM
in reply to: #1480240

Extreme Veteran
422
100100100100
New York, NY
Subject: RE: Got hit by a car today
omigod! I am so glad you weren't seriously injured. Good luck on your recovery!
2008-06-23 11:08 AM
in reply to: #1480240

Lethbridge, Alberta
Bronze member
Subject: RE: Got hit by a car today
Glad to see you got through this in relatively good shape.

I used to ride a very brightly colored motorcycle and that was still invisible to many drivers. On a bike, I just assume they can't see me unless I've made eye contact. Pretty tough to avoid them though when it looks like they've seen you (she was slowing down) but they haven't. Heal well.
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