After the Serious Accident

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I have not had a serious accident, but, as Blueberry says, it seems to me you are being to harsh with yourself regarding the insurance bill.

As for riding again, do not push yourself. If you can/want, return the bike. You will always be able to find a new bike in the store and returning the one waiting may give you the emotional space to recover. I did fall once, in 2003, nothing serious, but for months afterwards I did not ride. I only started riding regularly again in 2006, when some close friends started to ride.