Please Pray for Fellow Rider EthioKnight (R.I.P.)

[ninjagorilla2]

Originally Posted by davidreaper

Today the driver was declared at fault, however, they had no insurance.

It does seem like there will be a need for legal advice. I don't know how strong Alex's bike insurance policy was. It was unfortunate to learn last night that he did not have health insurance. I'm not too verbose with legal knowledge. So, the experiences ya'll have mentioned and any others may be greatly helpful for Alex.

[ally99]

Oh my god. Just saw this thread. My thoughts are with him!

[lgk]

lawyer up now!

[psych0hans]

This is indeed very tragic... How can someone drive without insurance... I hope the driver goes to jail for this!!!

[folky15]

So the offending driver did not have auto insurance, AND Ethioknight did not have health insurance?!? I hope im not reading that correctly

Originally Posted by davidreaper

Today the driver was declared at fault, however, they had no insurance.

Originally Posted by ninjagorilla2

It was unfortunate to learn last night that he did not have health insurance.

[cuong-nutz]

Originally Posted by davidreaper

Today the driver was declared at fault, however, they had no insurance.

This HIT right here is no bueno, yo. I so hope Alex had health coverage.

Kids, get full coverage insurance, PIP, and the whole nine yards. It's others on the road you have to worry about....

[lgk]

Originally Posted by folky15

So the offending driver did not have insurance, AND Ethioknight did not have insurance?!? oh man

he might not have regular medical, but that does not mean he does not have insurance on his motorcycle.

this is mandatory, unless he fills out paperwork saying he has assets equal to or greater than the minimum amount of insurance.

[leed]

Quick healing, Ethio.

[silentIm]

I dont know if it's ok.. Would it be nice if we could raising donation? It wouldn't be much but i guess we could make him and his family feel less pain.

[Confuzshuz]

Originally Posted by lgk

he might not have regular medical, but that does not mean he does not have insurance on his motorcycle.

this is mandatory, unless he fills out paperwork saying he has assets equal to or greater than the minimum amount of insurance.

Let's hope he has UM coverage and enough of it to cover medical bills since a serious moto accident averages 300K in medical bills.

[cuong-nutz]

Originally Posted by lgk

he might not have regular medical, but that does not mean he does not have insurance on his motorcycle.

this is mandatory, unless he fills out paperwork saying he has assets equal to or greater than the minimum amount of insurance.

Ethioknight had only liability coverage from what I read. Bare bones liability only covers the victim if he causes the accident.

[csmith12]

Originally Posted by cuong-nutz

Ethioknight had only liability coverage from what I read. Bare bones liability only covers the victim if he causes the accident.

so that means his medical will have to kick in.

[dfox]

which he doesn't have.

big ouch right there. get better quick, for more than one reason!

[Panda]

Wouldn't his parents medical cover him?

[lgk]

Originally Posted by csmith12

so that means his medical will have to kick in.

liability usually covers some bodily injury.
in this case he will probably get $20k-$50k if he bought the bare minimum.
obviously it wont cover everything, but the hospital usually gets what it can and eats the rest.

ethioknight will get all the care he needs until physical therapy then the state kicks in.

i would get a lawyer ASAP, and tell him not to sign anything without legal council...
the woman needs to pay...

[kawagirl]

The hospital can help him apply for medicaid (if he qualifies) right now, and they can also help him apply for patient assistance. Just ask them for both.

[Confuzshuz]

Originally Posted by rPanda

Wouldn't his parents medical cover him?

Considering his parents have medical coverage for him, then it should kick in. But it may or may not be enough.

Originally Posted by lgk

liability usually covers some bodily injury.
in this case he will probably get $20k-$50k if he bought the bare minimum.

From my understanding, liability coverage only covers the person/property that an insured person injures/damages if the insured is in an at-fault accident. The insured person would still need some sort of medical/PIP/UM coverage to get anything out of it.

[Old Lemon]

god some people

[lgk]

Originally Posted by Confuzshuz

From my understanding, liability coverage only covers the person/property that an insured person injures/damages if the insured is in an at-fault accident. The insured person would still need some sort of medical/PIP/UM coverage to get anything out of it.

you're right, that you need all those extra coverages, to get something out of a similar claim.

but most insurance packages include it as part of the liability "only" package, since it does not cost much more. in my case, i was quoted several different plans but every one had all the clauses you mentioned, the only difference was including comprehensive and collision.

in my case, you actually have to make an agent remove the coverages and fill out paperwork specifically saying you don't want them. even then it only saves $30/year, and you pledge your assets in the event the insurance does not cover it. most people don't do it because its way too risky....

i'm hoping he did not do that....

he will get the treatment he needs no matter if he can pay or not.
paying for medical treatment is not the most important thing, right now.
he has time for this later.

he needs to set up the legal resources, for his own protection/guidance and to sue the at-fault party.

[Jiggles]

Originally Posted by davidreaper

Today the driver was declared at fault, however, they had no insurance.

I hope she owns a house though someone who drives without insurance likely does not have many assets. This lady will go 100% broke due to this. Alex's parents need to get a lawyer asap, he will take everything from this lady and rightly so.

And no, Alex's liability will not cover this at all. Liability covers damage you cause, not damage caused to you, that's the reason uninsured/underinsured exists.

This is going to be a financial mess. I'm going to assume that the driver at fault has far less than 100k in assets. Alex's medical bills will likely be around 200-300k even after a reduction. If he is going to school and his parents have health insurance then he is covered under their plan until he is age 26 (I dunno how old the dude is or if he goes to school). I hope they have health insurance because that will make everything so much easier. All of this could be avoided if he had a good uninsured/underinsured policy.

Again, I'd like to remind people to please go raise your insurance to a minimum of 100k liability (250 or 500 would be preferred) and also add uninsured/underinsured of the same amount. Your insurance is there to protect YOU! not someone else. Find a way to spare the extra few dollars a month it will cost because it will save you from a financial disaster like this.

[Confuzshuz]

Originally Posted by lgk

you're right, that you need all those extra coverages, to get something out of a similar claim.

but most insurance packages include it as part of the liability "only" package, since it does not cost much more. in my case, i was quoted several different plans but every one had all the clauses you mentioned, the only difference was including comprehensive and collision.

in my case, you actually have to make an agent remove the coverages and fill out paperwork specifically saying you don't want them. even then it only saves $30/year, and you pledge your assets in the event the insurance does not cover it. most people don't do it because its way too risky....

Thanks for the clarification. In southern California, we get the short end of the stick with our liability coverage.

More well wishes to Ethioknight and let's hope for the best.

[davidreaper]

The driver should be charged and can serve jail time for driving without insurance. In AL you need a minimum of liability to cover the others vehicle.

For Ethio I'm not sure he is a college student and did work a lot as well. I'm under my parents healthcare even though I live away from them and I'm 20. Just because I'm in school I can be with theirs until I'm 23.

[lgk]

Originally Posted by Confuzshuz

we get the short end of the stick with our liability coverage.

i'm sure the coverage is similar but probably not forced by law like in VA.

just read all the coverage details, so you know what you bought...
get a upgrade quote if you need more coverage.

[Jiggles]

Originally Posted by davidreaper

The driver should be charged and can serve jail time for driving without insurance. In AL you need a minimum of liability to cover the others vehicle.

For Ethio I'm not sure he is a college student and did work a lot as well. I'm under my parents healthcare even though I live away from them and I'm 20. Just because I'm in school I can be with theirs until I'm 23.

Actually as long as you are in school you are covered until you are 26. You can thank Obama

[lgk]

Originally Posted by Jiggles

Actually as long as you are in school you are covered until you are 26. You can thank Obama

do you have to be a full time student?

my cousin wrestled in college and the school paid for his premium.
i imagine they do the same for any one who participates in athletics.

[Hoodie Ninja]

Just saw this. I'm so sorry to hear about, My prayers are with him.

I wish you a speedy recovery

[davidreaper]

Originally Posted by lgk

do you have to be a full time student?

my cousin wrestled in college and the school paid for his premium.
i imagine they do the same for any one who participates in athletics.

I think its as long as you are registered

[Jiggles]

Originally Posted by lgk

do you have to be a full time student?

my cousin wrestled in college and the school paid for his premium.
i imagine they do the same for any one who participates in athletics.

I'm part time and I'm covered on my parents plan. The law states that if you are under 26 and attend school then you can be on your parents insurance plan, I don't think it has anything to do with the school paying for anything

[lgk]

Originally Posted by Jiggles

I'm part time and I'm covered on my parents plan. The law states that if you are under 26 and attend school then you can be on your parents insurance plan, I don't think it has anything to do with the school paying for anything

i was just curious, when i went to school the insurance co.'s limit was 25.
26 seems better for a kid getting his phd.

just noting an advantage for students that have athletic talent.
maybe save a parent some money, college is expensive as it is.

[CZroe]

Just heard about this. I prayed. Wish I could do more.

Do his parents even live in The States? We seem to be awfully sure that our laws apply here. Also, my mother does not have health care and never has, so it's a big assumption to believe that his might. I seem to recall him saying that he need to go ahead and get his citizenship, so I'm not even sure that the laws apply to him!

Originally Posted by Havok

I am no angel on two wheels myself but that riding and vid made me cringe.

Him too, which is why he recently questioned whether or not he should continue riding after a few rapid-fire close calls that he blamed himself for. At least he recognizes the problem and his made statements resolving to either quit riding like that or quit riding. It doesn't seem like it applies to this particular accident either, so perhaps he really did follow through after his wake-up-call and was riding more responsibly. If so, his actions in those videos should not be used to judge him going forward.

[psych0hans]

This is one reason I really appreciate living in India, 300,000$ accident bills are pretty much non existent here... The even the worst accidents would cost the better side of 50k... The cost of treatments here is quiet reasonable, at least when you compare it to western prices. My relatives in the us and uk actually fly to India for treatments, have a nice long vacation and still save money over their home medical expenses.

I think the governments need to do more to reign in these absurd astronomical costs. Also the American government really needs to spend less on wars and more on its people. I was a student in the uk for a year and had to visit a doctor once during the duration. Wanna know how much I spent on medical expenses? Nada... Now that's what I like to call an efficient health care system...

[Redgeneral]

Originally Posted by psych0hans

This is one reason I really appreciate living in India, 300,000$ accident bills are pretty much non existent here... The even the worst accidents would cost the better side of 50k... The cost of treatments here is quiet reasonable, at least when you compare it to western prices. My relatives in the us and uk actually fly to India for treatments, have a nice long vacation and still save money over their home medical expenses.

If it had happened in Canada there would be no medical bills, similar to the UK's system.

Wishing him a speedy and full recovery.

[xSean13]

Originally Posted by Redgeneral

If it had happened in Canada there would be no medical bills, similar to the UK's system.

Wishing him a speedy and full recovery.

Ahhh, I was wondering when someone with an agenda would spin this topic. BTW, UK income taxes are 40%-50%.

[Jiggles]

Originally Posted by psych0hans

This is one reason I really appreciate living in India, 300,000$ accident bills are pretty much non existent here... The even the worst accidents would cost the better side of 50k... The cost of treatments here is quiet reasonable, at least when you compare it to western prices. My relatives in the us and uk actually fly to India for treatments, have a nice long vacation and still save money over their home medical expenses.

I think the governments need to do more to reign in these absurd astronomical costs. Also the American government really needs to spend less on wars and more on its people. I was a student in the uk for a year and had to visit a doctor once during the duration. Wanna know how much I spent on medical expenses? Nada... Now that's what I like to call an efficient health care system...

Originally Posted by Redgeneral

If it had happened in Canada there would be no medical bills, similar to the UK's system.

Wishing him a speedy and full recovery.

That's what insurance is for. It's extremely unfortunate that Alex didn't take the steps necessary to protect himself for a situation like this. Even though he was a guy that fully geared up for every ride he left a major hole in his protection. His insurance policy is the equivalent of a guy riding a motorcycle wearing nothing but a half helmet.

[Jono]

Man this whole situation keeps getting worse. Why would he not have UM?? Especially if he doesn't even have health insurance. This is just awful. I guess it depends on where you live but I mean even the nicest cities in the US still have idiot drivers without insurance. And it always seems like those folks are the ones you hear about crashing into others. Well, that's the case in my area. I don't think Alabama would be much different. I have decent liability and underinsured/uninsured policy and have health insurance and wish I could afford an even better policy. But I wouldn't even get on a bike if I couldn't afford decent insurance. That is risky!

I hope Ethio can get money from this person who hit him. He needs to lawyer up.

[kaiserz]

I wish him a speedy recovery. I'm glad he's okay now, I'm pretty sure that his gear saved his life. But this scares me a lot, knowing that I'm going to be out there riding with people who doesn't have insurance, some people doesn't even have papers, or drivers license. Can you imagine that? a guy who crossed the border, got a $7.25 per hour job, got a car, has no license, no papers, no insurance, and has no assets, and then he hits you and runs. This really is an eye opener for me. I think I would be using my car for a while until I get a much better insurance coverage. Ride safe everyone, the street is a very dangerous place.


*I mean no harm on what I said, but there are a lot of people like that out there, I know quite a few of them*

[psych0hans]

Originally Posted by kaiserz

I wish him a speedy recovery. I'm glad he's okay now, I'm pretty sure that his gear saved his life. But this scares me a lot, knowing that I'm going to be out there riding with people who doesn't have insurance, some people doesn't even have papers, or drivers license. Can you imagine that? a guy who crossed the border, got a $7.25 per hour job, got a car, has no license, no papers, no insurance, and has no assets, and then he hits you and runs. This really is an eye opener for me. I think I would be using my car for a while until I get a much better insurance coverage. Ride safe everyone, the street is a very dangerous place.


*I mean no harm on what I said, but there are a lot of people like that out there, I know quite a few of them*

Better safe that sorry... And while your comment may not be applicable to each and every person who crosses the boder, you have no chance of knowing which is which... Ride safe, ride hard, get insured!!!

[Redgeneral]

Originally Posted by xSean13

Ahhh, I was wondering when someone with an agenda would spin this topic. BTW, UK income taxes are 40%-50%.

Not an agenda, just stating a fact. I don't mean to derail the topic.

[edxmon]

Originally Posted by Redgeneral

If it had happened in Canada there would be no medical bills, similar to the UK's system.

Wishing him a speedy and full recovery.

Also if it had been in Cuba.

There's no point theorizing what could have been.

[greenaero]

I'm sorry to learn about this. We will pray for Ethioknight's full recovery.