Someone crossed the center line and hit me

Discussion in 'Face Plant' started by zirconx, Nov 13, 2016.

  1. Calimari

    Calimari Been here awhile

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    Any indication as to why the Suburban driver was in your lane or why he/she ran? How did they find him/her?

    Any chance of going after the lowlife's personal assets to help make you and/or your insurance companies whole, or did the lowlife have no significant assets?
    #41
  2. zirconx

    zirconx Midwest Traveler

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    My guess is she was looking at her phone or just not caring. I think she might have been going really fast. She cut the corner tight (it was a left hand turn for her).

    She has no assets, not even a vehicle. The suburban was her boyfriends. Her boyfriend brought the vehicle back to the scene (without her in it), and said he was trying to do the right thing by coming back.
    #42
  3. davidji

    davidji bike curious

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    Hope you've healed well.

    An air bag vest was suggested earlier in the thread. The ones I'm aware of are activated by a tether when you come off the bike. Do you think it would have helped in this case? Or were you still with the bike when injuries occurred? You were certainly on it during the impact with the Suburban.

    When I was hit by a car it wouldn't have helped as I never came off the bike.

    There are racing systems powered by acceleration (from impact) rather than a tether, e.g. the one in Dainese air-bag suits. But I'm not aware of vests like that.
    #43
  4. zirconx

    zirconx Midwest Traveler

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    I am probably 95% healed. It's been a year now, but my foot is still swollen.

    I left the bike pretty quickly, then barrel rolled along the ground for what seemed like a really long time. The vest would have saved me a lot of bruising and soreness around my torso. But I only had broken bones in my foot, ankle, leg and hand. After the accident I bought better gloves and boots. My new bike has metal hand guards also. I'm pretty sure my hand got broken when it impacted the SUV (maybe the mirror).

    Actually I'm about ready to sell my bike and give up motorcycling. I tried to get back into it, but it's not the same. I still love motorcycling, but I spend a lot of time worrying about other drivers. And rightly so. I don't ever want to go through that hell again. The six months after the accident was very difficult on me and my family.
    #44
  5. fullmetalscooter

    fullmetalscooter Let me take this duck off

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    Dainese air-bag system now is in US i believe . Sells for 1 grand plus for the coat version of it . From my own low speed slide at 30 mph I can say my hit air vest inflated late since the bike was sliding next to me with in 8 inches of me for 3 seconds or so. I already was sliding on my back before in inflated. Rear wheel sliped out in the rain when braking my ch150 honda scooter. About 25 % of the time tethered air vest or useless unless you re thrown clear off .
    #45
  6. davidji

    davidji bike curious

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    Have you tried acupuncture for the foot? It can make a dramatic improvement in swelling.

    Taking a hiatus from riding on the street makes sense.
    #46
  7. Motosapian

    Motosapian Been here awhile

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    I would take that gal to civil court and have her wages garnished. If she had remained at the scene probably not. These texting idiots are killing and maiming thousands......
    #47
  8. zirconx

    zirconx Midwest Traveler

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    I've considered that. She is several states away (the accident happened in her state) and would be quite a hassle for me. And there is a good chance the judge will say that because I've been compensated by insurance, he's not going to make her pay me any more. That's basically what the prosecuting attorney said. The attorney had the option to request the judge make her pay some restitution. But once he learned there was an insurance claim in progress, he dropped that idea.
    #48
  9. Motosapian

    Motosapian Been here awhile

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    The courts seem not to mind nicking men for half their take home pay for child support. Go figure.......

    Glad you survived mostly whole.
    #49
  10. Yossarian™

    Yossarian™ Deputy Cultural Attaché

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    zirconx, while this won't help with what has already happened to you, I'd like to add a little-known item about insurance (and no, I don't sell insurance or work in that industry.)

    A local attorney who represents a lot of 501(c)3 motorcycle clubs gave me some good advice, which I have since taken.

    Carry an umbrella policy that covers not only liability for damage that you cause to others, but also covers damage that others cause to you. Lost wages, any medical above state liability minimums, etc.

    I have this on my insurance. It costs about double of what a "standard" liability-only umbrella policy of the same coverage amount would cost. However, as you have painfully discovered, when someone injures you, their coverage may be insufficient to pay for your losses. One caveat of carrying this policy is that the insurance company I use requires that vehicles be covered to at least $250,000 minimum liability, for this umbrella policy to be effective if an incident occurs while using one of those vehicles. So it's not quite as simple as just adding the umbrella policy; it may also require more substantial (but not terribly expensive) vehicle liability coverage.

    Luckily, I've not had to use this umbrella policy, but it helps me not to worry about being hit by someone and having a year's worth of recovery, physical therapy, lost income, etc., all piling up.
    #50
    trc.rhubarb likes this.
  11. PT Rider

    PT Rider Been here awhile

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    That coverage might be state-specific. My agents have not offered that to me, and if it cost more (bound to) and gave them a higher commission, they'd have offered it for sure. Anyway, a good thing to ask for.
    #51
  12. RagerToo

    RagerToo vroom vroom

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    My agent tried offering me life insurance. I already have it thru my credit union. If I go.
    #52
  13. PT Rider

    PT Rider Been here awhile

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    When you go. And, when I go.

    When you die, will you leave anyone in financial difficulties at that time because of your death? If so, you need life insurance for their financial assistance. If not, you don't need life insurance. There are calculators to figure how much life insurance is needed for any family situation. Term life, only, please. Any other type if life insurance benefits the agent and the company more than the beneficiary.
    #53
  14. RagerToo

    RagerToo vroom vroom

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    Thx. I am considering dropping it. A coupla bucks a month adds up ;-0~
    #54