|Hit by car update||peloton|
Jun 28, 2002 10:05 AM
|Well, for those who gave advice to me last week about how to handle my incident of getting hit last week I'll leave a little update.
I talked to the insurance adjustor, and really had no problems. My bike was wrecked, and a replacement is in order. The insurance company didn't give me a hard time about the replacement cost at all. All they asked for was a damage estimate from the shop and reciept. No problems, and the new bike is on order as of today. I didn't have to argue at all as I had anticpated.
I still have an injury keeping me off the bike, but feeling better. The insurance company was good about this too. No problems with lost wages (only one day), and medical costs. The insurance company also told me without my asking that they would pay me for pain and suffering. I really had not anticpated that, but they said it was standard in this type of accident. I almost feel bad about taking that, but... I certainly won't be pushing for anything anticpating a full recovery.
I have to say that I have been pleasantly surprised in how easy to deal with the insurance company was. They appeared to be very accomodating, and appeared to put in an effort to take care of damage costs. I'd like to thank everyone who posted some advice for me last week too. I guess now I just have to look forward to building up my new bike, and getting back on the road.
|re: Hit by car update||queenb|
Jun 28, 2002 10:19 AM
|It is very refreshing to hear someone say they didn't expect to get a settlement for pain and suffering. There are so many people out there who would sue for every little bit they could get. One of my pet peeves is people who sue for very little reason. It makes it difficult for those who really do deserve to be compensated. Anyway, glad to hear you're getting your bike replaced. Think of all the fun you'll have setting up the new one. Good luck!|
|being married to a lawyer....||koala|
Jun 28, 2002 10:35 AM
|I second queenb's post. I wish more people would conduct themselves the way you have.|
|re: Hit by car update||No_sprint|
Jun 28, 2002 10:50 AM
|Thanks for the update, and glad you're mostly ok. You have a fine attitude. Glad they treated you well, most won't.
Not a PI lawyer here, however, ABA educated nontheless. If you get touched or bumped or slammed by a car or a bat or an airplane or by someone else's bike for that matter and are in a state with a fault based legal system and are caused any pain and suffering, you deserve to be compensated fully for that, regardless of what you'd expect or not expect.
Some take advantage of this system falsely claiming injuries and some get screwed by this system not asking for what they deserve. It's an imperfect system, like each and every system of any type on the planet but it is there for a reason and does indeed help those who are truly injured by another.
I suppose we could remove it altogether and let the cards fall. In that case, when an entire family gets taken out by a drunk driver, that driver could wake away and say sorry as far as civil liability is concerned. The fellow skier who runs into you on the slopes and just happens to paralyze you for life wouldn't have to pay you a dime.
Eeeek, I think I like the system as it is.
|except it should be loser pays||kenyee|
Jun 28, 2002 10:57 AM
|to get rid of some of the frivolous stuff that gets filed...|
Jun 28, 2002 10:52 AM
|When I got hit the response by the incurance company was about the same. Everything moved very fast and they settled the bike claim without any questions. I think they know that if you were to sue, they wouldn't have a leg to stand on so they try to keep you happy and close things out quick.
I haven't settled for my lost wages yet because I still have burning in my left arm every so often. If this goes away soon I'll be happy to sign the papers and get it over with but until then I have an adjuster calling to bug me every week.
Make sure that your body is healed or that it will heal completly before settling everything.
Hope you got a nice bike and some gear out of it.
|Good to hear.||Leisure|
Jun 28, 2002 11:08 AM
|What company was this, if I might ask? It's great that they didn't give you any hassles. Some of the advice from earlier (if I'm remembering the thread alright) may have seemed a bit overboard, but it's better to be prepared for those things "just in case". Usually things really do turn out more reasonably as they have for you, which is nice to see.
So, uh...what type of bike are you looking at? Same as before? What the hell were you riding anyway?
|consider yourself lucky||ColnagoFE|
Jun 28, 2002 11:50 AM
|musta been an open and shut case. i've known people who were royally screwed by ins companies. i'm guessing the pain and suffering was a fairly lowball figure to get this one closed. the adjuster is working in the best interest of the insurance company and most often doesn't do any favors for you for nothing.|
|one question...did they depreciate your bike? (nm)||ColnagoFE|
Jun 28, 2002 11:51 AM
|Glad you are O.K.||DINOSAUR|
Jun 28, 2002 8:28 PM
|I missed your original post about your crash. Hope you are on the mend. Bicycles are probably low budget items for insurance companies...|
|Anticipating a full recover?||U of A racer|
Jun 28, 2002 8:46 PM
|That's a mistake. It's the doctor's job to tell you when you're fully recovered. Let me tell you my story.
I had been training for the spring races, which included the collegiate national road race. I got hit. Sure the driver was super nice. He stopped. His insurance company was super "nice". They paid for the damage to the bike and my helmet and volunteered to give me $250 for pain and suffering. I tried to recover and ride, but my knee was killing me. I got smart and got a lawyer. I got smarter and went to physical therapy. I was off the bike for a couple months, missed all the spring races and the collegiate nationals. Now do you think that $250 would cover the month's of training that went down the toilet, the dissappointment of missing the races, the lost fitness, and the time I couldn't simply enjoy riding a bike with riding buddies?
I don't know how much riding means to you, but when I can't ride because of someone elses screw up, being Mr. Nice Guy just doesn't cut it.
|the bike and the insurance company||peloton|
Jun 30, 2002 12:47 PM
|To answer a couple of the questions. I had a Giant TCR team that I had built up a couple of months ago from parts. Mostly dura-ace and all good stuff according to my personal preferences. The insurance company didn't depreciate the cost of the bike. I ordered a new frame and parts last week when I knew the insurance company was going to cover the replacement costs. I'm glad it was quick as I sure didn't have the spare cash right now to replace the bike otherwise.
Sill not done with injury part. I certainly feel better than last week, although I'm not healed yet. I do plan on waiting to make sure my injury is okay before signing off, but that's it. I just don't want to get stuck with the costs if there is something lingering that goes on. I certainly hope that isn't the case though. I'm a career coach, and I can't afford to have a bad foot. I have considered that fact before signing right off. I hope the foot is healed ASAP, and it isn't an issue.
I'll mention the insurance company's name after it is all said and done. They are certainly people who I would do business with in the future as a result of seeing how they conduct their business. I would be happy to tell people that they are a good company. I'll wait until it's all said and done though before I open my mouth. :)
I'm also someone who doesn't like the whole culture of suing over stupid things to try to make money. I guess more insurance companies would be easy to deal with if everyone just used them as insurance to protect what you have, not what you think you should get.
Anyway- Looking forward to building the new bike, and getting back out there. I need to get riding again to help my perspective on reality. Be careful out there, and thanks for the responses.