I heard from my insurance company appraiser. He finally made it out to see the bike. His initial estimate — which he knows is light — is at $1,000 (the exact amount of my motorcycle insurance policy deductible). Of course, it’s going to cost more than this and I expected to spend much more than my deductible. The Harley dealer said it’s going to be up to 50% more than the appraiser’s estimate. Whatever it takes to restore the bike to its previously minty condition.
I looked into my medical benefits and talked to the hospital on Monday. My health insurance deductible is $1,500, then I’m paying 10% of the costs up to my out-of-pocket maximum. According to the Portsmouth Regional Hospital ER, my bill is well over $8,000 from my Thursday night visit. My out-of-pocket maximum is $3,000. Blah, blah, blah…numbers. Whatever it takes to restore my body to its previously flabby condition.
If, for some reason, all of this insurance stuff comes back to me, I’m out at least $4,000. I have a call in to the NH State Trooper who is handling my case. I’m open to good news, but not holding my breath. The last time we spoke, he said — in order to be cited, the driver (a kid) would have to admit to leaving the scene of an accident he knows he caused. It would take one special kid (or family) to admit that. We shall see.
Honestly, I don’t care if the kid is cited unless it has a major impact on going after his insurance company for my costs. I really don’t see a reason to shell out $4,000 for something that wasn’t my fault. As an affirmation, I see “the right thing” happening and this will be a wee blip in all of our lives. Hopefully, the kid and I are both more aware.
My insurance agent tells me they (my insurance company) will go after the other insurance company to cover my losses whether the kid is cited or not. There was a third party witness — the other motorcyclist — who saw the whole thing. I’m guessing the objective witness is an integral part to the case the insurance company will build. His info should be in the police report.
That’s what I know today. Oh. I went to The Herbal Path natural pharmacy to get some homeopathic remedies, tinctures and such. Friends have turned me on to things like Arnica Montana (not the kid’s character), Rhus Toxicodendron (not an NFL wide receiver), Boneset, Vegetal Silica and Valerian Root. Who knew these things existed? Certainly, not me.
Personally, I was hoping to find some Skelegro in a dark corner of the herbal store. [Skelegro is a potion from the Harry Potter series which grows bones back to their original state in 24 hours.] Alas, there was no dark corner, nor did I ask.
Finally, I’m feeling pretty OK most of the day. Mornings, however, are rough. I wake up with some pretty good pain. I’ve tried increasing the vicodin. Meh. Sleeping can be rough. I need to find a more comfortable way to sleep…if that’s even possible. People have recommended solutions ranging from a canvas, army-style, frame cot to a recliner to more drugs. I need to find my happy place.
I’ll keep you in the loop as I learn more, peeps.
Much love,
Gregory