On May 6, 2011, at 8:55 PM, Ray wrote:

>  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.

Welcome to the wonderful world of liability lawsuits.  Your HMO is looking for 
a deep pocket to shift the costs of your health care onto.

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