11/27/12 taken out by dingbat on four wheels

Sorry to hear you had such a nasty off, but sure am glad you are around to post about it. I'm ALWAYS looking out for dingbats, but thanks for reminding us all. Heal well and heal soon.

Jose

 

Get better soon!!! Glad your ok and able to share this.

 

At least you are still here to talk about it. Take time to heal those ribs and get back into fighting trim. Those left-turning drivers who "don't see you" are the cause of some of the worst accidents I have ever seen.

 

jugor, hope you heal up quickly. After reading that raf pilot article, can see how easy accidents happen. My vision is too acute sometimes, before riding I always down a can of Full Throttle, my eyes are moving back n forth like a ping pong ball.

 

left the hospital today. They were concerned about doctoral things. After a full night off of suction they said my lung was holding its own against the air pocket and said if was to be so foolhearty as to accept other's company as opposed to their own my then I deserved whatever happened. My translation: After the elephant got off my chest Thursday morning, I was going to be OK I tried to return the knidness everyone had given me up to that pointand to let the professionals that had taken charge of my life for a few days know I appreciated their services. Ran into lots of good people with great skills and talents that put me back togetther. According to those who have helped I have brken quite a few bones for which there is no cast that can be applied. Therefore earning me another few weeks of recovery. ANd to the nitwit who's best defense they had for the investigating officer. No sir I never saw him, but I don't think he saw me either. Yess I did see you and that may very well be why I am here today.


Thanks to all the well wishers out there. Please be careful.

DAmn opoids suck for spelling.

 

Glad to hear your out of the hospital Jug.

It's truly amazing what the human body can endure. A close friend of mine recently underwent heart surgery for the second time in his 47 yrs. It's beyond my comprehension what the strategically skilled hands of medical professionals can accomplish these days.

You've got all winter to heal, take your time.

 

Broken ribs just plain suck :sick: . Had them, but not with the broken scapula and punctured lung. Got mine from skiing - 2 times - once on water, and once downhill :doh: . Don't want to talk about the third time I broke a couple (took the longest to heal) :hurt: . Sounds like it was a very good thing you were wearing the jacket and helmet - could have been worse. Heal well. And may the the liver flukes of a million snails infect her body - bless her stupid distracted heart. (That addition is a Georgia thing - as interpreted by a Yankee :usa2

 

Sorry to hear, glad your around to tell the story. Maybe her insurance will be buying a new bike.

 

Well I still haven't seen the bike. What I ahve seen. Tourmaster boots toast. Cortech jacket 4 holes. Shoei RF1100 broke. Pinlock shield gone. Helmet gouged badly. Chin vent broke. Sadly I decided not to wear kevlar jeans. So my my knees have a bit of rash on my knees. I think we have the same insurance company. I hope that doesn't screw me somehow. They have already filed a claim under my policy because they expect they underinsured to kick in fairly quickly. Pretty sure the 11 days in the hospital is going to kill 100K fairly easily.I just hope their pain a suffering is close to what I will have endured. I thank God for getting me through this and my wife for her unwavering support. She is my greatest love. She already pledged support for fixing the bike. She is just great. Oh and a Backpack gone.

 

Sure glad to hear you are on the mend. Your wife sounds like a keeper. Mine would more likely pick up where the driving bitch left off as far as the bike goes. I would watch how the insurance company deals with things though. Being the same insurer for both, it is really in "their" best interests to pay out as little as possible. There is no love lost between me and insurance companies. Their priorities are with their investors and bottom line.

 

jugornot - I'm glad to hear that you're out of the hospital. It may not seem like it, but that alone is a milestone and progress is already being made. I hope you make out well with the insurance company. I don't see how they can blame you for it.

 

Not concerned at all with blame, but in most cases you feel like they have your concern at heart but in this case it is strictly me against them. I think I may just have to go to a lawyer to see if I'm being treated fairly. Then again I may get an upright claims guy who does me well. It is a concern of mine. Thanks for everyone here's concern and prayers. This is a great community to belong to.

 

I would just keep the lawyer in the back ground for now. See what they offer up. Remember, if you are content with what they offer, really that is all you should get. Anything more is greed. However, I would not be surprised if the insurance companies will try to get away with as little as possible. That is their business. At that time you can bring the lawyer into this more heavily. It has been my experience that if you involve a lawyer right up front and directly in the process, the insurance companies tend to get their backs up and you have to fight for what you get. That means a lot of what you get goes to paying your legal bills.

Probably the most important professional to keep in the loop is your doctor. His diagnosis of what you may expect to go through the rest of your life with the injuries you sustained, is very important when considering your settlement. Old injuries that appear healed have a tendency to re-surface at a later age to cause you grief. I speak from experience here.

 

I'm all for this though I prefer forward and aft CIWS systems.....


30 cal should do although 45acp seems like a nice compact action size.


If we standardize the mounting sytems and controls now we should be able to get the Manufacturers to install them as origional equipment by the 2018 year model.


Who's in????


(PS, glad your well enough to post. It could have been alot worse. Any day on the green side of the grass is a good one. This doctor prescribes lots of Oxy's and when the scripts run out switch to 90 proof single barrel bourbon till it doesnt hurt to laugh anymore.)

 

Finally saw the bike/adjuster today. He thought he was going to total it out with a payout of $12,500. I'm not real happy. MAy be time to hang it up for a while again. I thought would get the bike back and continue on, but after eating most of the deprecation don't really feel like doing that again. Maybe a cheap throw away don't think so. Anyway I'm sure the girl at fault is enjoying picking up another piece of crap that she will under-insure and disrupt someone else's life with when she attempts murder next time.

 

Jugor - You have an option of hiring your own TPA (Third party adjuster). They work for you, and are often paid a percentage of what they recoup. Insurance companies usually don't want to deal with a TPA, because in the end, it costs them more.

If your insurance company is not paying you enough for the bike, don't accept their offer and tell them you are considering hiring a TPA. It might change their position.

By the way - do you have an agent? Or is it one of these online things, or directly with the carrier?

Not a dig at you,Jugor, but I'll say this to anyone that cares to listen: I own an insurance brokerage. I do all commercial stuff, not personal lines. I use an agent for my personal stuff - bike, cars, boat, homeowners and umbrella. The simple reason is that an agent is a professional (at least supposed to be) and is there to help you. They know the definitions of the policy. The verbiage that can help you or screw you. They should have clout with the carrier so in the event of a loss, they help you. And contrary to popular belief, "you" do not get charged for having an agent. Yes, they make money, but its a commission paid by the insurance company.

All too often people think they can handle selecting their insurance, and then when they get fucked in a claim, they wonder why. I'm sorry to those that got fucked, but do yourself a favor: get someone who knows what they are doing.

You use a lawyer to sue people. You use a doctor to prescribe medicine. You use a carpenter to build your house. In a country filled with frivolous law suits, where your insurance choices and coverage can have a significant impact on your financial position by either protecting you or not, I don't know why people continuously rely on their own ability to be an insurance "professional".

 

Last time I was on a naval vessel CIWS was short for "Christ it won't shoot"

45 ACP is a little light for hard targets. I like the .30 cal option better.

 

I agree with Pliskin. Jug you may want to consider at least meeting or talking to a lawyer before accepting a settlement from the insurance co.

 

I am assuming that is a pay-out for the bike only and does not include any other costs you may have such as medical etc. If it is, do a fair comparison for market value in your area for the same bike, same shape year and model. Pus taxes and any admin fees you may encounter for change of ownership or what ever. You should not be having to deal with any deductibles either. That is what the insurance should pay for the bike alone. Anything less plain and simple, is not enough.

Definitely hold off on signing any medical releases. Injuries sustained in such collisions do have a tenancy to "appear" to heal up quite nicely only to return years later to cause lots of grief. Once again, I am speaking from personal experience, as well as experiences of a family. My mother was involved in a semi serious collision many years back and she never to completely heal up. At the beginning, it was just soft tissue in the neck area but years later it came back and never got better.

With me, I was aware of that, and in fact that is exactly what happened. Injury flared up again. Mine was an aggravation to a previous injury. I did settle with the insurance company to my satisfaction.

Maybe hang up the riding gloves until you are much better, but don't give up on it. But of course, this is your choice. Was she charged with anything? If not, I would expect a reason for non prosecution. If she is, be warned that if you are needed to testify in court, and you either fail or refuse to, then this may signal to the insurers your lack of interest and may have an adverse effect on your claim. I am not sure if we have such options as at TPA here like Pliskin refers to. But that sounds like well directed advise if available to you.

 

Sorry for the negativism But the agent actually seemed to be an OK guy. We went by the yard where I wrecked (and he's been keeping the bike) and the adjuster happened to be there. I was going out to get an order for some more xrays. I was in some pain and tired after my big adventure this afternoon. Well I was tired and ill and told I was losing my best friend, but I'll survive. I know what the bike is worth and it is a fair offer. They are going to have to go a way to compensate for pain and suffering in my opinion. I may be a little disappointed there too. The offer is not unreasonable and I'm not upset at anyone but the twit that intruded on my life, and how little this will affect her life.