The cost of crashing

Discussion in 'The Perfect Line and Other Riding Myths' started by scapegoat, Sep 10, 2019.

  1. scapegoat

    scapegoat Pushin forward back

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    In 45 years of riding I never really took the cost of crashing as something that influenced how I rode. Maybe Perhaps I've become disillusion and need a reality check. I have the best health care we can get in our area, 80/20 ppo. I had an little mishap on the left forearm while working. Severed a couple tendons and a 10" laceration. This one took an ambulance ride to the ER, surgery and some rehab yet to be done. Between the ambulance ride and surgery Im at $70,000. We still haven't seen the ER bill yet. It would seem another $10K+ might be in the works for that. My part in this one will be around $15 to $20K after the copay and deductibles.
    I cant imagine what some of you guys and gals have gone thru with the get off's Iv seen and read about. I dont think we can afford to have a bad get off, it could bury us financially. So where does one go from here? time to hang it up? Maybe something like Aflac Plus Rider to ease the financial hit?
    #1
  2. neanderthal

    neanderthal globeriding wannabe

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    Medical payments on your insurance. Cover yourself in any accident.
    High limits on said policies.
    Low deductibles.

    More rider training.
    Strict discipline about drinking and riding.
    Good exercise/ sleep/ diet regimen.
    #2
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  3. brgsprint

    brgsprint Long timer Supporter

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    I've never worried about it. I've always had good insurance. My ER co-pay is $50. Now, I also have Medicare.
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  4. Bobsguys

    Bobsguys n00b

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    My buddy has Kiaser (HMO) and Aflac. He was in a fairly bad accident about a year ago on his bike. He was unconscious for a minute, but before FD arrived, he regained consciousness.

    The private ambulance transported him to the nearest Kaiser Hospital.

    According to him, the most expensive thing out of all the surgeries he has had was the cost of the ambulance ride. His co-pays for all of his many Kaiser visits has been only $15 each time.

    On top of that, each time he goes, Aflac pays him something back, so it is virtually free after it all comes out in the wash.
    #4
  5. avocadofarmer

    avocadofarmer Fruit Coot

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    This is pretty much why I've cut back road riding significantly. The costs (the big picture) are potentially too high. Fears of paralysis remain.
    #5
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  6. Vin

    Vin Hopeless Addict

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    Gotta pay for all those who don't carry insurance.

    We argued over a $1200 charge back when my wife had cancer - insurance screwed it up and left us with the bill. The hospital wrote it off without blinking an eye. They made enough off our insurance to cover the loss with ease.
    #6
  7. Antvera

    Antvera Adventurer

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    +1
    [​IMG]
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  8. Midnightventure

    Midnightventure -

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    If it happened at work shouldn't workmen's compensation cover it? Unless you work for yourself.
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  9. foxtrapper

    foxtrapper Long timer

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    @scapegoat, that $70k from the billing statements of the hospital? Wait until the insurance/workers comp settles it. It will go down quite a bit.

    But yea, life can go sideways in an instant, and can cost a lot as a result. Be that simple money it costs you, or other expenses, like lack of body function or such.

    Equally, living life "safely" in a padded room isn't much of a life.

    So you have to decide how limited by fear you chose to be.
    #9
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  10. ChaoSS402

    ChaoSS402 Been here awhile

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    What kind of insurance do you have? I thought the maximum allowable out of pocket was somewhere around 8k for an individual.

    And why isn't this covered under worker's comp? Self employed?
    #10
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  11. anotherguy

    anotherguy Long timer

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    I've stopped worrying about things that have yet to happen. And care little when they do. I do what I can to avoid mishaps and dismiss things out of my control. I don't have any money anyways. :johntm



    EDIT: I do have outstanding insurance. :D
    #11
  12. Zubb

    Zubb he went that-a-way...

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    and therein lies the rub.

    The more you have, the more you risk.
    #12
  13. Daboo

    Daboo Been here awhile

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    I think you're looking at the work accident, and then thinking about the possibilities of a motorcycle accident. That is, if I'm reading your initial post correctly.

    Look at your insurance. Perhaps call up an independent insurance agent. They are in business to get you the best deal possible and usually represent a lot of different companies. Sticking to just one of the major namebrand companies, only gets you what they offer...and they may not be competitive...but they have name recognition.

    I had my right knee replaced a few years ago and it was covered under my work insurance. I paid only to the yearly maximum of about $5600. The total bill was about $90,000.
    #13
  14. Rossland Rider

    Rossland Rider Been here awhile

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    It is a bit CSM but the USA is the only first world country where financial ruin is a real risk of illness for a significant portion of the population. That is one of the biggest differences between Canada and the US. Also when people up here consider moving or changing jobs, health insurance isn't something that factors into the decision much. Overall outcomes are about the same.
    #14
  15. JohnCW

    JohnCW Long timer

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    All I worry about in relation to crashing is how much its going to physically hurt.

    Financial impact is so far behind that its not even worth considering.
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  16. Colorad0

    Colorad0 Been here awhile

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    I've used Dr Google when I busted my MCL. 6 weeks of bed rest, 3 weeks of crutches and I'm as good as new.

    Sure beats blowing through my $7.5K deductible to have some professional tell me I need 6 weeks of bed rest and three weeks on crutches. No doubt a doctor would have ordered an MRI of my knee to cover *HIS* ass.
    #16
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  17. Davidprej

    Davidprej Davidprej Supporter

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    Usually health insurance policies have a total out-of-pocket figure that limits what you're responsible for. I've never heard one being as high as $15k - $20k. Our company has Blue Cross and its individual out-of-pocket (deductibles and co-pays) is $7,700. So, that's the worst case scenario financially for me and I've got it covered. That's not where I want to spend it, but if it comes down to that...
    #17
  18. anotherguy

    anotherguy Long timer

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    If that worked you didn't actually "bust" your MCL.
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  19. Colorad0

    Colorad0 Been here awhile

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    As far as I could tell it was a grade III tear. Fortunately the ligament wasn't torn off the bone, because you need surgery to reattach it.

    I was wearing knee braces at the time, I wonder if that saved me from a worse injury.
    #19
  20. anotherguy

    anotherguy Long timer

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    OK Doc.
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