<p>As many of you know from reading my other posts on CC, my husband was in a serious bike accident eight weeks ago. We got a form from the health insurance company last week that he needs to fill out and send in, basically asking him how he sustained his injuries. Thing is, we don’t know because he was on a bike path, riding alone and crashed. His bike was unscathed so we don’t think he had a collision with a car or anything. Oh, to clarify, he had a concussion and has no memory of what happened, or even where on the bike path he was. But he thinks what is likely, is that he slammed on his brakes to avoid something and went flying over the handlebars. Could have been a car as this path does have occasional intersections with sidewalks and roadways. But we’ll never know. A good samaritan found him and brought him home, but for all we know, this good samaritan may have been the one who H was trying to avoid. The path parallels a state road by up to 30-50 feet depending on where you are and the area between the road and the path is mostly wooded, so we don’t know how he was found unless the crash took place at the intersection of a sidewalk/street because otherwise no one would have seen him lying on the path due to the woods. Of course, it also could have been a squirrel, deer, rabbit, skunk, etc. that he tried to avoid hitting. </p>
<p>Anyway, our health insurance will be stuck paying for it since we have no details to support a theory that a car caused it, although it is likely that’s what happened.</p>
<p>Oh, summary damage to H: concussion, broken clavicle that required surgery to put in a plate and screws (isn’t done anymore unless it’s a really bad break), six badly broken ribs and a pulmonary contusion. Our out-of-pocket will probably run around $2500 when all is said and done. He still has a couple of more doctor and physical therapy appts.</p>