Kissena Forum Archive

Injury: Sprains, Strains, Breaks & Insurance

1422 comments · 11940 views
Wow, sounds like you were incredibly lucky ,
PS . Love the Tattoo
Damn, sorry to read this.  I'm glad you're ok, but sucks about the bike and the suit.  Honest to god I don't know how we've gotten into this culture where people just drive so aggressively.  Cops give out thousands of tickets, and while they need to take all of this more seriously by devoting more time to bad drivers (saw 3 red lights and 2 illegal uturns on red lights today alone), it's up to the drivers not to be idiots, and they can't seem to handle that.

Better bike infrastructure, traffic lights made for cyclists, the Idaho Stop, and self-driving cars.  I can't think of anything else, because you can't make people not be idiots or be personally responsible for not killing people, you can only punish them after the fact.  They just don't seem to get it.

Think about contacting Lucarelli & Castaldi about how much $$ you have coming your way, assuming the guy has insurance.  Super nice guys, and they work with this kind of thing all day.
so glad you are ok, that sounds so serious!
Such amazing luck you made it out more or less ok. I rode that intersection 2x day for 2 years. Crazy.
good grief @GregStreiff I hope you heal up quickly. Damn that driver to hell. I've always felt that intersection, and the one with the off ramp from the bridge up the block were not designed well. That stretch is dangerous with cars speeding through to make the light.
@GregStreiff

First, excellent form.  If you're going to get hit by a car, damaging the car and getting away without broken bones is the way to do it.  And kudos to the shots of the damage to the car and the hospital pic.  You also scored big with sympathetic police.  

I strongly suggest having Ilya take a good look at the bike.  It might seem ok at first blush, but a good inspection is essential.  Especially since the criminal should pick up the tab.

heal up.

Wow, really glad you're okay!  Take it easy.  

I also got hit by a car on Sunday, but the Madone and I were very lucky this time.  A car decided to drive into the bike lane while I was next to them on Bergen.  I slammed on my breaks and skidded into the side of the car in front of the driver, but I stayed upright and on my bike. 

I had the police come and write up a report just in case.  

If anything it's a reminder to go slow and pay more attention while riding in the streets.
thanks for all the love you guys. glad you are ok @JillWhite and I echo your sentiment, you really can't be too cautious in these streets. never worth it to take a risk. the paramedic told me a few cycling horror stories that scared the crap out of me. she said the avid cyclists get in some of the worst accidents bc they take bigger risks. but you can't predict / control for crazy drivers, people jumping out, etc. 

@mugwump thanks for the reminder to get the bike checked. I think the fork at a minimum needs to get replaced. 
 
@Bruce van-Schalkwyk stopped by this evening to aquire a few of the items I am selling, and brought me a wonderful bag of trader joe's goodies!!! @Bruce van-Schalkwyk you made my night and I've already devoured that choclate cake. thank you so much.

we have such a wonderful team and I am very grateful to be a part of it.

on a final note, in case ya'll were wondering what gear ratio I was running...I run 50x14 for commuting. Yep, you read that right. 
Dang, Greg. Yeah, I’ve seen cars pull that move there a few times. It’s bullshit and it’s the result of the intersection being completely fuckocked. Just today I sat there like 10 feet back from the curb waiting for the light to change and saw a couple wobbly close calls between commuters. 

You were rockin that suit fwiw. And also fwiw call L&C and talk turkey with them. Heal up buddy!
Greg and Jill, glad to hear you both got away relatively unscathed.

Bruce is always good for snacks and I would contend he's in the running for nicest human on earth, ever. 
@SeanMiles is alive! has the prodigal son returned? 
I'll admit I have high hopes and plans on being ready to race come spring 2018.
I met woth Lucarelli & Castaldi today and got them on retainer. What great guys. We talked business and bikes. But mostly bikes. I'll write more later about how they work and what to do if you get hit.
Will crashed and broke his elbow this morning. Anyone have ortho surgeon recommendations/contacts at https://www.hss.edu/?
@JohnMalcolmson  I had Dr. Fufa at HSS to fix my forearm last year. She does arm and upper extremity but I'm not sure that covers elbow.

https://www.hss.edu/physicians_fufa-duretti.asp
Will crashed and broke his elbow this morning. Anyone have ortho surgeon recommendations/contacts at https://www.hss.edu/?
Where is the oh shit button. He should talk to Erin Korff asap. Korff got the best ortho in town both times. John I'll PM you details.
Thanks Jules!
Folks, I have a nagging hand injury that's been dragging on and I should really go see someone about it. Contracting my right thumb triggers pain in the tendons/muscles. I'm not sure if it's work (keyboard/iPhone) or cycling related (handlebars) but it did get a lot worse during GMSR.

I also have some weird weakness in my left hamstrings (also triggered at GMSR) that I need to get looked at.

Any pointers on a physio?  I'm in the East Village.
I met woth Lucarelli & Castaldi today and got them on retainer. What great guys. We talked business and bikes. But mostly bikes. I'll write more later about how they work and what to do if you get hit.

Quick follow up on my post / takeaways from my meeting w/ L&C.

1) get police report and go to the hospital. You can get collision/vehicle related police reports from any precinct. It costs $10 but I didn’t get charged. The “Ins Code” box on the police report denotes the motorist’s insurance provider.

 2) witnesses—get their information before they leave the scene or keep them around until the cops arrive. 

3) No fault. Do not use your medical insurance for anything related to the accident. Process it as no fault. You may have to call the hospital and other medical providers at a later point, after you get a claim number, which takes a few days. Basically by law your medical insurance provider does NOT have to pay your medical bills if you were hit by a motorist and you are not at fault. If you use your medical insurance and the insurance company connects the dots, they would kick the bill back to you and not cover anything. This is important because there is a limited amount of time (45 day window) for which you have to file for no fault and submit a claim. If you present your medical insurance at the hospital and it gets kicked back outside of that 30/45 day no fault window, you are screwed. You'll have a medical bill that needs to get paid out of your pocket.

4) Your auto insurance and umbrella coverage. I never appreciated the usefulness of the Uninsured Motorist & Underinsured Motorist component of an insurance policy until I got hit by someone driving a crappy car. Basically NY state requires motorist to have at least $25k of coverage and then there are hit and runs. So to the extent there is property damage, medical expenses, pain and suffering, loss of income, etc. that exceeds the motorist's coverage (or lack thereof) / policy limit, the “Uninsured Motorist & Underinsured Motorist” component of your insurance policy comes into play. For example, the guy that hit me was driving a 2006 Honda Civic and has $25k of coverage. I have a car and an insurance policy that allows for up to $100k of Uninsured/Underinsured Motorist coverage. If my total damages exceed $125k, I am probably SOL. Phil recommends we all max out Uninsured/Underinsured Motorist coverage (my policy allows for up to $500k and only costs me an additional $20/year).

5) property replacement. Insurance companies don't look at bikes like we do. When I got hit, the fork was badly damaged, but the rest of the frame otherwise looks fine (still pending Ilya's inspection). To a cyclist, just the fork needs to get replaced, a crank, or a wheel, or whatever. Insurance companies aren’t cyclists and they look at bikes holistically. If the fork is broken, the whole bike is broken. Pictures of damage and a receipt from a bike shop stating the bike needs to be replaced and quoting the replacement value / new value will be required.

6) damages, Scars and broken bones get more money. Basically anything that is permanent and/or has a significant amount of recovery time is meaningful. Days off from work matter. Don't rush back. Listen to the doctors. If you are on the job when you get hit, you can also qualify for worker's comp (maybe Jim Nelson can opine). 

Take all of this as a grain of salt and do your own diligence. Obviously I am not an attorney. Just takeaways from the one meeting I had with Phil.

Phil Castaldi lives in Park Slope and I bet he would do a presentation to the club if we asked him. 

 If you are on the job when you get hit, you can also qualify for worker's comp (maybe Jim Nelson can opine). 


Take all of this as a grain of salt and do your own diligence. Obviously I am not an attorney. Just takeaways from the one meeting I had with Phil.

Phil Castaldi lives in Park Slope and I bet he would do a presentation to the club if we asked him. 

Right - I was told by Adam White (another local bike accident attorney) that Worker's Comp supersedes all other claims. When I was hit recently I was on my way from my office to a client meeting so it applied. All medical bills were forwarded directly to the WC claims administrator.
@Will Kalbacker good luck with surgery. HSS? You'll be out and about in no time.
Good luck Will
@Will Kalbacker if you can go to HSS for PT as well, I highly recommend it. I dodged shoulder surgery last year after my crash thanks to Patrick Vignona in Sports Rehab. It was pain in the neck (or shoulder?) to schlep to the UES from Brooklyn at 7AM 3x's a week for 5 months but it was absolutely worth it to have someone who understood that I wanted more than anything to get back on the bike ASAP and in the pool even sooner.  
@Will Kalbacker if you can go to HSS for PT as well, I highly recommend it. I dodged shoulder surgery last year after my crash thanks to Patrick Vignona in Sports Rehab. It was pain in the neck (or shoulder?) to schlep to the UES from Brooklyn at 7AM 3x's a week for 5 months but it was absolutely worth it to have someone who understood that I wanted more than anything to get back on the bike ASAP and in the pool even sooner.  
I went there for my lower back issues a couple years ago and they are top notch.
Yes thanks all! HSS tomorrow. I visited their PT area to get a splint made for me and it looked wonderful. I will fill everyone in once we know how the op goes.

Gloucester has my number. See you all on Zwift in two weeks.
duuuuuuude.

please take good care, patience will get you back sooner than you think. 
Does this make a 100% "bad crash" rate for you there? I can't remember a year when the stars didn't de-laminate on you there.... :(

OUCH
That sucks. Sorry to hear it
Major bummer. Time to heal and rest before winning the green jersey again