Health insurance not covering crash?

[jlyon]

Originally Posted by estilley

Right, it was definitely just my own fault. No one else even went down around me.


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They want to know if you were in an organized race so they can go after the insurance the event had.

Like others have said they will pay but then they try to get the money back form others insurance if there is any.

[shovelhd]

You need to come clean with us. What happened and in what setting.

[estilley]

Originally Posted by shovelhd

You need to come clean with us. What happened and in what setting.

Ha, well, just hit a root on a flat section, bottomed out front tire, went over the bars, and snap, there goes the clavicle.

Nearest rider was probably 10-15 feet ahead.


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[shovelhd]

So were you racing a CX race? Don't make us keep asking questions.

[estilley]

Correct.


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[estilley]

Anyway, was just posing the thread as a hypothetical. As far as I know, my crash and resulting surgery are covered.


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[fignon's barber]

Originally Posted by estilley

No evidence of it happening yet, but the collarbone bills started coming in and I did get a questionnaire from the insurance company asking how the accident happened (work,
Sports, etc) and what property it was on and the property owners health insurance company. As it was basically at a public park (high school) and with all the waivers signed, it doesn't seem like anyone could be held liable.

Of course, they'll do whatever they can not to pay, which got me thinking about risk premiums.


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This is nothing to worry about, it's standard practice. They ask this, for example, because in many states if a bike accident happens on a road, it's covered by your car insurance, not health insurance.

[PSC]

When I got hit by a car, my lawyer used my auto insurance PIP as primary and my health insurance was secondary to pay for my injuries. Eventually we settled with the other guy's insurance.

[rePhil]

I got hit, driver had the minimum. We understood our carrier was going to be difficult and hired an attorney who went after our underinsured coverage. Our health insurance exercised their subrogation rights, which our attorney negotiated.
There were no questions asked by the hospital or MD's once we gave insurance info.

[Mr. Pink]

Well, I ski a lot, which is a much more injury prone activity than cycling, and have never been told that there are any restrictions because of that sport. And I have made claims.

[BobO]

Originally Posted by fignon's barber

This is nothing to worry about, it's standard practice. They ask this, for example, because in many states if a bike accident happens on a road, it's covered by your car insurance, not health insurance.

Agree. If I am on a public road, my auto policy covers my injuries if the crash was my fault, to certain limits where the health plan theoretically takes over. This is true whether I am in an organized race or not. Racing on private property is another story, usually the health plan controls. Of course there are few providers in network but that's a whole different rant.

As an aside my homeowner's policy covers the bike for theft whether it's at home or away.

[sasteelman]

Had a serious crash in France and spent 18 days in hospital. Insurance paid for all my costs - no questions asked.

[commonguy001]

As already noted it's just a standard subrogation letter which is triggered by the diagnosis on the bill.
They're not trying to stick you with it, they're checking to see if their could be a company that should be responsible like USA Cycling event insurance or something along those lines.

It's usually a pay and pursue in cases of subrogation...

[estilley]

Yeah no problems at all. Was more just posing this as a question for what the future of insurance might be.


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[chiasticon]

got the same thing when I broke my hand last summer. they're just trying to make sure that nobody else is liable and that they have to cover it. in a race situation though, I believe the race insurance would be responsible (in the end), but I honestly don't know.

also I don't think this is any sort of indicator of what the future of insurance will look like. just standard practice, from my understanding.