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post accident advice(6 posts)

post accident adviceDM
Aug 19, 2001 7:03 PM
Hello everyone,

After trying to search the archives with no luck, I decided to ask for some advice. To summerize, my wife was hit by a car today(a failure to yield on a left turn), so the police made a report, there were plenty of witnesses, and the driver was given a citation. So, we have the guy's insurance info(her frame is not salvagable, bent aluminum) and the rear derallieur is crumpled along with other problems. The bike is unridable, and needs replacing. My wife, fortunatly only suffered minor cuts and bruises.

I know that I need to contact his insurance, and get an estimate for replacement on her bike, but is there anything else I might be missing, such as any medical follow-up? Anybody care to share any experiences on this?

Thanks in advance,

david
re: post accident advicerollo tommassi
Aug 19, 2001 7:46 PM
Glad to hear that she's ok; it sounds like you've done all the right things so far, especially the get-the-cops-make-a-report part. That is most important, no matter how seemingly minor the altercation is.

Since you've made sure the bike is ok ;)!, definitely turn attention to the flesh and bone. Always have an impartial expert - a doctor - determine if she's alright. Too often the victim tries to brush it off, get back on the horse so to speak.

You didn't mention whether or not she went to the hospital; if so, then you have all of that documentation. If she hasn't, she should at least get checked over by your general practitioner. Injuries such as whiplash or even a mild concussion don't bloom into full 'pain' until a day or two later.

Was she wearing a helmet? The condition of the helmet can clue you in to potential head injury. Bring the helmet with you to the doctors' office, it is helpful evidence for the doc.

Either way, all medical documentation should be saved, as you should definitely get all expenses covered, and perhaps even compensation for lost work. Contact your health insurer for more details.

Get well soon!
re: post accident adviceMade in Taiwan
Aug 19, 2001 8:22 PM
make sure you take your wife to a hospital to get her checked completely. COMPLETELY!!

get a Med report after she is ok'ed, get the bike estimated. In the mean time, if the other party's insurance hasn't contacted you yet, you can contact them and see what their attitude is. If there is going to be a police report, the insurance would probably do nothing until the police report is released. My advice is, and you probably already know this, is to keep EVERYTHING. Do NOT touch the bike. Leave it the way it is, and get it estimated. It's probably better to have the LBS do an item by item replacement cost because you might have changed/upgraded a few things. This also includes her riding clothes. Your wife's special bike cloths are considered part of the property damage, because they are part of the "equipment" of the sport of cycling.

that's all i can think of right now. I'm going thru the same thing. My bike is totalled also, and the insurance rep has agreed to pay for the bike (i got it estimated "item by item" at the LBS b/c i did some major upgrade to my bike).
My sweetie...MrCelloBoy
Aug 20, 2001 6:53 AM
has been injured in several crashes (of her own doing on the MTB). She's a Registered Nurse herself, so understands physiology, Etc., Yet because she's a passionate cyclist, she's extremely impatient with how the healing process slows down when you reach your 40's.
I'm not sure what your honey's enthusiasm level is for cycling, but be supportive, listen, and agree with her when and if she whines about the aches and pains, unless she becomes self-destructive.
Use caution when talking to their insurance companyTig
Aug 20, 2001 10:00 AM
Insurance companies can be very tricky. They like to record phone conversations (for transcriptions that can be used against you later) and may ask questions that will lessen your claim. If at any time while talking to them that you don't like the direction the conversation is going, you can respond with, "that question is inappropriate", and either try to move forward or tell them that you choose to let your lawyer handle this instead. Do NOT feel obligated to answer anything that doesn't seem right, or feel you have to be polite. This is their game that you are playing and they are very serious about limiting your claim. "Caution" is the word.
Thanks for the adviceDM
Aug 20, 2001 3:09 PM
Just wanted to say thanks for the advice. We did take to the doctor, and everything checked out ok. They did take an X-ray of here right knee, because of the bruising and cut on it, but it came out fine. So far all is well. Now she is just pissed at the guy and so am I. But I will do all I can in order to be compensated properly.

Played phone tag with the insurance company and our LBS has her bike now to write up the estimate. I do plan on being carefull with my responses when I do talk to the claims agent.

Again I appreciate the assistance,

david m.