True, Joe. But, I have not pursued any other claims from any other person or entity. I can understand the line of questioning if I had done that. But, I have no reason to after anyone. The crash was 100% my fault. It's like the insurance company was trying to find that option on their own, or something.
>________________________________ >From: Joe Bartoe <jbar...@hotmail.com> >To: rbw-owners-bunch@googlegroups.com >Sent: Friday, May 6, 2011 7:04 PM >Subject: RE: [RBW] Odd Investigation by HMO > > > Yep, this is what it's come down to. The insurance company basically is > asking whether you might have a reason to seek money from some source for > being a cause of your accident. If you had a reason to sue somebody, such as > the bike mfr or the helmet mfr, the HMO would have the right to seek > compensation from you for any costs that they had as a result of your > accident. This would only be the case if you sued successfully or reached > some settlement with the companies. > >When I settled with the driver who opened his car door and hit me, I had to >repay some portions of my health insurance costs to Aetna. For some reason, I >was the victim and they can come after my settlement. It was, after all, the >sole fault of the driver. Why didn't they sue him for those costs? Because >that's the way the laws governing this sort of thing work. > >Take care and heal fast! > >Joe > >Joe Bartoe >Synaptic Cycles Bicycle Rentals, Inc. >email: j...@synapticcycles.com >website: www.synapticcycles.com >Twitter: @synapticcycles >phone: 949-374-6079 > > > >> Date: Fri, 6 May 2011 18:55:39 -0700 >> Subject: [RBW] Odd Investigation by HMO >> From: r.sh...@sbcglobal.net >> To: rbw-owners-bunch@googlegroups.com >> >> Last January, I crashed on a fast downgrade with a 90 degree turn at >> the bottom. I was obviously going too fast for conditions. I collided >> with a guard rail and the roadway, which was newly paved and in >> pristine condition. The result was a slight concussion and a broken >> collar bone that required surgery to plate and screw it back together. >> Rehab has been on-going, and I still lack full range of motion in the >> effected shoulder. I have returned to cycling and commute to work by >> bike. I don't yet ride a bike with drop bars, however. >> >> Fortunately, I have health insurance, although I did opt for a higher >> co-pay to reduce the cost.. 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. >> >> -- >> You received this message because you are subscribed to the Google Groups >> "RBW Owners Bunch" group. >> To post to this group, send email to rbw-owners-bunch@googlegroups.com. >> To unsubscribe from this group, send email to >> rbw-owners-bunch+unsubscr...@googlegroups.com. >> For more options, visit this group at >> http://groups.google.com/group/rbw-owners-bunch?hl=en. >> >-- >You received this message because you are subscribed to the Google Groups "RBW >Owners Bunch" group. >To post to this group, send email to rbw-owners-bunch@googlegroups.com. >To unsubscribe from this group, send email to >rbw-owners-bunch+unsubscr...@googlegroups.com. >For more options, visit this group at >http://groups.google.com/group/rbw-owners-bunch?hl=en. > > > -- You received this message because you are subscribed to the Google Groups "RBW Owners Bunch" group. To post to this group, send email to rbw-owners-bunch@googlegroups.com. To unsubscribe from this group, send email to rbw-owners-bunch+unsubscr...@googlegroups.com. For more options, visit this group at http://groups.google.com/group/rbw-owners-bunch?hl=en.
