Going For Bike Ride – Part 2

When it comes to the arguments against FI most people always resort back to the tried and true:

But, what if you get hit by a bus?

Well, I did (er, a car, but still). This is a continuation of Part 1.

Before we go further, I want to make it clear. I never intended to sue the girl that hit me, or try to profit from this in any way.  So, I haven’t called an ambulance-chasing attorney or anything like that. I’ve just been dealing with this on my own.  All I wanted was for my medical deductibles to be paid and my stuff replaced. That’s it!

Is that too much to ask?

Here’s an update on what’s happened since that fateful night:

What happened with the bike?

First, the easy and more entertaining part.

I spoke with the nice claims adjuster at the driver’s insurance and she asked me to send her pictures and information regarding the gear that was damaged.

So, I sent her over a picture of my helmet, my bike lights, my bike and my shirt along with price estimates:

Helmet – $100

My head was in that!

Lights – $50
Shirt – $20 (although it’s technically priceless since I got it for running the Marine Corps Marathon)
Bike – $1,999 (No, I didn’t pay that, not even close.  I got it off craigslist used, but they asked for a replacement cost, so…)

The adjuster writes back and says, well if the bike is that much, you’ll have to go get an estimate on the repairs. Ummm…..

My Bike – Ready for Repair

We packed it up into the trunk and drove over to the bike shop.  We walked in and I told the guy at the store I needed a repair quote for insurance.  The repair guy was like, “Well bring it in!” I paused for a minute before showing him the photo. I said, “Are you sure you need to see it?”  He laughed, but due to protocol had to see it in person.   So I drug all 6 pieces of it into the shop. (“It’s looks like one of the fold-up bikes, but it wasn’t supposed to be one of those!”- Mrs.Wow)  Everyone in the store kept coming up to me asking what had happened.  They couldn’t get over how mangled the bike was.  After, a brief look, the shop owner told me to go pick out a comparable bike from the wall.

Hmmm… which one do I want?

Well, my old bike was carbon fiber and full Ultegra components, so I found one pretty close.  When all was said and done, he wrote me up a quote for $3,200.  Whoa… ok, I guess some people pay that much for a bike.  I’ll take it… we thanked him and left.

I sent the adjuster the new quote and she just cut me a check, no questions asked.  Not bad, I made $3,400 ($3,200 for the bike and $200 for the other gear) for getting run over by a car.  I need to get a new bike, but I’ll take care of that when I need a new bike.  Right now it’s all just sitting in VTSAX.

What about the medical expenses?

Here comes the miserably awful part that is not completely over yet.  So, it turns out that while I was in the hospital, despite the fact that I was holding my Driver’s License and Medical ID card in my hands, (I walked in to see him sitting like a school kid with his prized lunch money.  He told me ‘They told me to hold this!’ – Mrs Wow), somehow they checked me in under a different name.  Apparently,  I was aware enough to know that I am not a 40 year old Hispanic female.  Upon discovering this information, the Mrs mentioned it to a nurse, who replied:

Don’t worry it happens all the time – (uh, really?????)

Figuring it was taken care of, we patiently waited for a few months for the big bills (hospital and ambulance) to come through.   Well, I saw the ambulance bill, $1,800 for a ride down the street.  HOORAY!!! But never saw anything from the hospital.  So, I called my insurance company to see what was going on.  They never got a bill from the hospital.

So I called the hospital:

Them – “We have your insurance ID as this: XYZ”
Me – “Nope, That’s wrong.”
Them – “We have your group number as this: ABC”
Me – “Nope, That’s wrong, too.”
Them – “Well, why did you give us wrong information?”
Me – “Ummmm… I was run over by a car?!?!  I didn’t even know my own wife”- WTF???? Also, keep in mind that I was holding my medical information for them, so even though I might not have known it from memory, they should have been able to read it straight from the cards

Turns out they tried to bill the wrong insurance,  possibly a Hispanic female?

After clearing things up with the hospital, I followed up with my health insurance a week later and they still had heard nothing.  I smell a Part 3!!!

And that ambulance bill you mentioned?

$1,800 right? Luckily, my insurance picked up a portion of that and I got a bill for the rest – $800.  By the way, the city where we live covers that fee so I am not responsible for it, but that took two phone calls to figure out and confirm.

Why exactly did they send me a bill then?

That’s nice and I thanked them for covering that portion of the bill, but why is this so hard?

Making progress

So, it’s still not over, almost 5 months later, amazing!!!  At least I’m making progress toward resolving this whole thing.  Apparently, I have 2 years from the accident to get all the claims in.  I’ll keep you updated with more information as it comes.  Can you imagine if I was not able to take care of this stuff? And, why exactly do I have to take care of it?  I mean I was the roadkill!?!?

What are your thoughts?  Ever had the nightmare of dealing with insurance or the health care system?  Ever get run over by a car?


  • Gwen @ FieryMillennials March 27, 2017 at 8:50 am

    I used to bike to work every once in awhile on nice days (aka no rain or snow which eliminated a big chunk of days) but stopped after I came THIS CLOSE to getting hit. I went to cross a side street and a car turned right in front of me. I hit both breaks so hard my back tire came up and I almost flipped into the car…… which after seeing me decided to stop in front of me and say sorry. Yikes.

    Glad to hear you’re ok!
    Gwen @ FieryMillennials recently posted…Rental Property #1

    • Mr WoW March 27, 2017 at 11:00 am

      I actually wish I could again. And am looking to start when I get another bike. But yeah, glad you missed. I wasn’t as lucky (or was in some regards). I miss it and I want to start again, just through the streets of a major city isn’t so much fun.

      It’s the insurance and logistical nightmare that might just be worse.

  • Mrs. Picky Pincher March 27, 2017 at 9:16 am

    Ughhh, I’m sorry you’re having to deal with this. At least it’s slowly starting to come together. Insurance companies are so effed. I love that they made you take the mangled bike remnants to get a “quote.” Wow lol.

    • Mr WoW March 27, 2017 at 11:02 am

      Yeah the bike store guy just started laughing. I mean how stupid is this???

      Luckily everything is OK with me, For the most part. But I’m still dealing with it. And I haven’t even dealt with the medical side yet!!! That’s going to be the fun one!!!

  • Mr. Need2save March 27, 2017 at 6:17 pm

    I (try) to ride to work once a week when the weather is nice. Luckily no accidents yet, but a few a$$hole drivers. Dealing with hospital and insurance claims is never an easy experience, so we feel your pain.

    I would definitely want a reimbursement for my Marine Corps Marathon shirt! It was my first marathon back in 2011 🙂
    Mr. Need2save recently posted…Can You Have Too Much Pre-Tax Money in Your Retirement Fund?

    • Mr WoW March 27, 2017 at 10:54 pm

      Very good! What a great race!

      Yeah, insurance is a mess. Still dealing with it. Hope it ends soon.

      Stay safe out there!

  • Tonya@Budget and the Beach March 28, 2017 at 12:30 pm

    Ugh I’m sorry it’s been such a headache for you! You got hit by a car! The last thing you should be dealing with is all this crap!
    Tonya@Budget and the Beach recently posted…Creating a Frugal Garden & Sanctuary

    • Mr WoW March 28, 2017 at 1:38 pm

      Progress… That’s the key… Getting closer to having it done. Luckily, I don’t have to fight too much with her insurance. It’s just mine and the hospital that are a PITA!

  • Jeff D May 2, 2017 at 10:07 am

    Just came over thanks to PoF. Actually yes I have been run over by a car on a bike. This was way back in 1981 when I was in 7th grade riding to school and the guy didn’t think stopping for a red light was a good idea. Got the ambulance ride and the concussion as well. Trashed my newly remodeled bike (I had just changed out the seat and handle bars to look more like a BMX style) and they cut off my favorite shirt too. Didn’t need a new helmet because who wore those back then. So our stories are pretty similar just a few decades difference. Liking what I’ve read so far

    • Mr WoW May 2, 2017 at 10:37 am

      Hey – Thanks for stopping by and the kind words!!

      Scary that happened to you! I hope everything worked out, I’m sure your parents were freaking out. Sorry to hear about your bike, after all that work!!

      I guess heads were harder back then, because I never wore a helmet either up until recently. Who needs them? https://www.buzzfeed.com/daves4/helmets

      • Jeff D May 2, 2017 at 12:33 pm

        Yeah, my head must be harder. I’m different in that I have a delayed reaction to concussions. I was fine after I got struck, taken to the hospital and then about two hours in the fit hit the shan. According to my dad it was pretty touch and go, but once they got the swelling under control I stabilized. Got to stay overnight, which sucked b/c it was Halloween that night, and I was told 13 is your last year for trick or treating. That and at that time it was under the concussion protocol where the nurse comes in and wakes you every hour. I think by 3:00am when the door opened I just said Jeff before they even had the door fully opened

        • Mr WoW May 2, 2017 at 2:01 pm

          Well, it’s good that you recovered and got back to it. I guess everyone’s body reacts differently to trauma. I hope you at least got to go Trick-or-Treating one more time.

          As, for me, I had no idea what happened the next morning. I woke up and started getting ready for work, my wife was like “what are you doing?” And had to tell me about the whole thing, I had no memory of any of it. Really crazy.


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