Ouch That Hurt - Our Latest Real Life Case Study
What started as a casual Friday recovery ride, ended with a nice trip in a white van with flashing lights. Not quite what I had in mind but maybe it being Friday the 13th was a bad omen.
I had ridden the same course hundreds of time in the past but this time was somewhat different….well different in that I hadn’t gone over the handlebars on the previous attempts.
I was riding down Indooroopilly Rd, looked back to ensure that the car behind me had plenty of room and then, oh no….that’s not ideal. I had hit a pothole and it had displaced my hands from the handlebars. I was now a passenger on what was going to end in a very painful dismount. The bike veered into the gutter, I went over the handlebars and landed on what I think must have been my head and shoulder. I only know this because my helmet was broken at the back and my shoulder made a donation of skin and my collarbone was not quite were it had been prior to the fall.
Luckily the car that I was trying to give plenty of room stopped….but he wasn’t that keen on hanging around for too long to ensure I was OK. It would appear that golf is far more important than a fellow human’s wellbeing.
I had never broken my collarbone before and had heard that it was quite a painful break. I must admit the initial impact happened so fast and the break obviously also happened very quickly, that it was over before I even realised what had happened.
The pain that was to follow over the next few weeks was sure to make up for any pain that I may not have experienced initially.
I am not sure whether you have broken your collarbone before, but it SUCKS. Pure and simple. The first week was very painful. Any slight movement would make me wince. The financial fall out that I was soon to experience would make most wince too.
Luckily I have Cyclist Insurance cover in place and regardless of the fact that I was not off work, I received a pay out of almost $4500.
Considering that the subsequent surgery and other medical bills left me out of pocket to the tune of $4,100 and counting, this was very helpful.
Should I have relied solely on my cover from CA, the only expenses that could be claimed were 85% of the non-Medicare expenses, which for me would be around $500.
I currently pay $30/mth for my Cyclist Cover and am very grateful that I have it. I certainly didn’t have a spare $4000 laying around in my bank account doing nothing. Receiving the benefit gave me the option to have the best surgeons and receive the best medical treatment possible.
My recovery is still ongoing. I will be in my sling for another 2 weeks and then the rehab begins.
This was a real eye opener in terms of the real cost of an accident and what little cover is available via the CA policy.
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