February 18th, 2010 → 6:20 am @ admin // 2 Comments
I am 18 years old and I was in a dirtbike accident I was riding in the ditch and going about 30 miles per hour. There was a huge hole in the ditch and I didn’t see it because the grass was a little big, so when I hit the hole I lost control and fell. I had a helmet ($600 professional helmet) which probably saved my life because when I fell I hit my head really hard and suffered a concussion. I also had a little bleeding from my kidneys because my body hit the handle bars. Well I was taken to the hospital, and they took Cat-scans and stuff and said I was okay. I only had a mild concussion and the kidney bleeding would go away if I drank a lot of fluids. This has been two months ago and the hospital just called because the insurance needs more information about the accident. Should I worry about this? Will they not cover the medical bill?
Additional details: I was riding a CRF230F. This is a trail bike not a racing bike. It has 230cc engine. I have been riding dirtbikes since the age of 5 but don’t have a motorcycle license but I never ride on the road just in the ditch, or inside my yard ( I have a one acre yard). I don’t have motorcycle insurance, but I don’t care about the bike. Will the insurance cover this? If it won’t why won’t it cover?
bkup12
1 year ago
Some insurance companies will try to say you were on a state or county Right Of Way and will not cover this as you do not have a license and the bike is not street legal. Contact your insurance and find out if you are covered and if so when will they will pay.
David W
1 year ago
Your BC/BS should cover it OK, unless you were racing professionally; then it might not. BC/BS probably wants to verify whether you were racing or not. Without reading the exclusions in the policy, though, we can’t say for sure.