Last January, I crashed on a fast downgrade with a 90 degree turn at the bottom. I was obviously going too fast for conditions. I collided with a guard rail and the roadway, which was newly paved and in pristine condition. The result was a slight concussion and a broken collar bone that required surgery to plate and screw it back together. Rehab has been on-going, and I still lack full range of motion in the effected shoulder. I have returned to cycling and commute to work by bike. I don't yet ride a bike with drop bars, however.
Fortunately, I have health insurance, although I did opt for a higher co-pay to reduce the cost.. But, yesterday I received a phone call from an investigator working for the insurance company. She wanted to know about the bike I was riding. Who made it, sold it, who maintained it, what type of components did it have, was I wearing a helmet, what manufacturer of the helmet and the components on the bike. Have I resumed cycling? I started to get a little annoyed and asked what this was all about. She told me it was a routine follow up typical of bicycle collisions. I have crashed other bicyles and motorcycles, have been transported and hospitalized as a result, and was never asked about the equipment I was riding. I assured her that the collision was a result of not heeding the conditions of the roadway and not slowing in time (and the report backed me up). I assured her that there was nothing wrong with the bike (a 6-year old Canti-Rom) -- even following the crash. It suffered only cosmetic damage. I was careful not to use the manufacturer's name, and referred to it as a CantiRom make. I guess she bought that because she probed no deeper into the maker or where I bought it. If any of you have had a similar experience, I'd like to know. It's never happened to me before. Is this something new that insurance companies do. Incidentally, there was an official report made of the collision. Her introduction did say the investigation was to determine if there was a negligent party or entity that would be partially responsible for some of the costs associated with the claim. This is a nationally recognized health insurance provider, HMO. I'd rather not give the name. -- You received this message because you are subscribed to the Google Groups "RBW Owners Bunch" group. To post to this group, send email to rbw-owners-bunch@googlegroups.com. To unsubscribe from this group, send email to rbw-owners-bunch+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/rbw-owners-bunch?hl=en.
