Originally Posted by
kajero
I had a very serious accident on my bike April 14. I was on a group ride. fortunately I wear an ID on my shoe and the leader knew what hospital, who to call, etc. So if you have one, wear it.
Anyway, I received the hospital bill today. Although I am not responsible for it, except for a $15 co-pay the bill is HUGE!! The insurance has paid the rest.
I bought a new VERY EXPENSIVE Ruby Carbon bike before the accident. I was supposed to get fitted for it the day of the accident. Instead I went on the group ride and planned to go there after. (Of course never got there.) The bike is paid for and they are holding it at the shop until I feel well enough to get it fitted.
The problem is I don't know if I want to ride anymore. Although my friends enccourage me, I am very depressed about so many things. First, the huge hospital bill that my wonderful employer's insurance is having to pay for and I am sure my accident will raise everyone's premiums next year, buying a new expensive bike when I can't seem ride the old one safely. I was also on medical disabilty for two weeks.
My friends are being very encouraging but it's not helping. Have any of you been in a serious accident and went back to riding. What did you think, How did you handle it, did you feel guilty about having an expensive bike, etc? I guess right now I need encouragement and wisdom from fellow riders. But if you think I should give up riding, please let me know that to. Nothing can hurt my feelings right now.
It only has been a few weeks. No wonder you are anxious! Wait, heal.
As far as your employer's insurance cost going up it is unlikely that your experience is going to drive up the premiums. There are different rules depending on how large the employer is and depending on what state you live in, but states often restrict the ability of insurers of small employers to use claims in setting rates.
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