A Not So Funny Insurance Story

by Krantcents · 19 comments

Post image for A Not So Funny Insurance Story

Do you need insurance?  Nearly eleven (11) years ago, something happened! I was riding my bicycle on the street on a beautiful sunny southern California day. It was December, 2001, it was warm and I was on vacation. Every weekend, holiday and vacation, I ride my bicycle for exercise, a little alone time and to reduce stress in my life.  It is my aerobic exercise and I love it.  What happened next changed my life forever.

Someone opened their car door without looking and I tumbled over their car door. I broke my collarbone and things went down from there. The person who caused the accident was uninsured! There are a number of people in southern California who do not buy insurance. Their excuse is it too expensive. Pay as you drive insurance may be the solution. The good news is my insurance covered my accident. Having full coverage helped me in this bad situation. What should you do? I would check out full coverage auto quotes to protect you against uninsured motorists, personal liability, collision and comprehensive coverage.

The story didn’t end there. Here it is nearly eleven years later and I still have pain, if I sleep on that side. My insurance coverage for uninsured motorist was adequate for this accident, but I decided to increase my coverage. This incident was not serious, but it could have been much worse. This why you need insurance, particularly a full coverage policy.  Here is a scenario, I would prefer to avoid.  What if another car hit me when I was down in the street?  I could have sustained more injuries.  My medical insurance would cover my injuries, but not loss of time.

As everyone knows medical expenses are expensive and rehabilitation is also expensive.  Although my medical insurance would cover the lion’s share of the expenses, there is still be a deductible and other out of pocket costs.  You need insurance to protect you against a financial loss.  Do you need insurance?

Photo by:  bill85704

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SB @ One Cent At A Time April 14, 2012 at 8:44 am

You may need to to fix the date of the incident. its not stated as 2011, which can’t be 11 years back.

This is a good learning for all of us as far as insurance goes.

Krantcents April 14, 2012 at 8:48 am

Thanks, it was a test to see if readers really read the posts. :) The accident caused me to rethink my auto insurance coverage at least for uninsured motorist coverage.

John@MoneyPrinciple April 14, 2012 at 1:22 pm

Ha – I see the date is fixed!

While we have a free health care system in the UK, the legal cover is not free. So the idea of suing the b*** who opens their car door in your face is not so easy. I guess this is where the right to bear arms has its point – not that I am encouraging homicide of course!

There was a recent case over here of a bus driver deliberatey knocking a cyclist off his bike. What he didn’t realise was that the cyclist has a helmet-camera so that went to court along with CCTV footage and the driver got punished. For cyclists the helmet-cam is a good idea but best of course is not to be injured in the first place!

Krantcents April 14, 2012 at 2:31 pm

I ride defensively and no longer on the streets now for that reason. About 95% of my ride is on bike paths around a regional park. Last year, a medical doctor was prosecuted for using his vehicle to hit bicycle riders in an expensive suburb. He is going to prison for his acts.

Financial Advice for Young Professionals April 14, 2012 at 11:44 pm

Your car insurance covered you when you were on your bike?? If he was uninsured, wouldn’t you have to sue him to get him to pay for your medical bills?

Just curious how that would work, because I hate insurance!

Krantcents April 15, 2012 at 7:56 am

My medical insurance covered my medical needs. The uninsured motorist portion of my auto insurance is supposed to reimburse the medical insurance for the expenses and the other losses, I sustain due to the accident. It is a flat amount based on the limit I selected. It also covers any damage to personal property such as my bike and gear. It would also cover pain, suffering and loss of work. The accident led me to increase the limits.

Kurt @ Money Counselor April 15, 2012 at 11:46 am

We bikers fear just the sort of incident that happened to you, it’s quite common I think. I try to avoid biking along lanes of parked cars, but sometimes it’s unavoidable. Great to see some cities taking steps to make biking safer by creating protected bike lanes.

Krantcents April 15, 2012 at 11:48 am

Agreed, hopefully as more people become bike riders, drivers will become sensitive to riders.

Robert @ The College Investor April 15, 2012 at 10:03 pm

OMG! Your story is exactly the reason you need to have insurance. You never know when a true accident will strike!

Krantcents April 16, 2012 at 6:40 am

Absolutely and in most cases, it is not your fault!

Julie @ Freedom 48 April 16, 2012 at 6:34 pm

Bikes on the road scare the crap outta me! Both as a cyclist and a driver. Bikes and cars just don’t mix. Here in Ottawa, bike lanes have been added to many roads – which is a huge help.
I’m happy to hear you’re okay… but it could have been so much worse. Just last year a woman died in Ottawa from the exact same thing. She was “doored” by a car – and then fell into the lane and hit by an oncoming vehicle. Scary (and incredibly sad)

Krantcents April 17, 2012 at 6:39 am

I realize that I was lucky and ride one block before I pick up a bike path. The irony is I had an accident on the bike pth as well a couple of years ago. Just bruises and soreness for a few weeks.

Jen @ Master the Art of Saving April 17, 2012 at 11:00 am

Wow, that’s scary stuff. We need insurance, but are waiting until we can actually afford it. I have some plans to increase our income, so hopefully things will be okay until then. :-)

Krantcents April 17, 2012 at 4:10 pm

You need insurance when you cannot afford it because you cannot afford the loss.

Daisy @ Add Vodka April 17, 2012 at 9:20 pm

That is horrifying – I actually witnessed this happen once.
In Canada it’s illegal to drive without insurance; if you’re not insured, you could get your DL taken away. It’s so important to be insured!

Krantcents April 18, 2012 at 6:42 am

It is illegal in California too! The key is getting caught.

eemusings April 19, 2012 at 4:38 pm

Everybody needs insurance!

Thankfully we don’t need health insurance here. But car insurance is a must (it’s not a legal requirement so if you get hit by an uninsured driver, you need your own protection). And of course insurance for your belongings and home.

Krantcents April 19, 2012 at 5:17 pm

It is always interesting when people say they cannot afford insurance, but I would bet they cannot afford the loss either.

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