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Old 04-06-2015, 09:44 AM   #1
Neon Samurai
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The Crisis of the Fallen Rider Financial Donations.

In the many years I have been riding I have seen, due to the internet, an increasing amount of cases of financial burden.

It usually starts with someone riding a motorcycle, crashing...80% their fault it seems. The problem is the common motorcyclist isnt at all insured to pay for medical bills or damages. We all know most people here especially, carry Liability.

Now thats just stupid.

This is a dangerous sport, we dont have a cage or airbags to protect us. Sure, the best gear will minimize the impact...but you can still be severely injured.

So the problem is everyone things "That won't happen to me, I'm an awesome rider." or "I just slow and safe" or "I just ride the track".

Yeah, yeah, yeah. I've seen every badass rider go down, and every GOOD rider knows its going to happen.


So the real dilemma is all the "BBQ Plate" and "GoFundMe for medical costs" etc.

These just need to stop. If you have friends, you dont need a website or advertise for funds. So basically what you are doing is sending a message to all motorcyclists that its OK to engage in a highly DANGEROUS HOBBY and not be financially responsible. Let me tell you, even the best fund raisers dont ever put a dent in medical costs. Its really just a waste of everyone's time and money.

So lets end this madness.
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Old 04-06-2015, 10:00 AM   #2
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My initial out of pocket cost of medical the first year topped $250,000. That was with "awesome" insurance. I couldn't tell you how much it has cost me the 10 years afterwards. I would guess somewhere near a million or so. That is out of pocket cost. Not what the insurance paid.

Now on the discussion of the BBQ plate, fund raiser, gofundme etc....while it isn't going to put a dent in medical cost, it does help. I am forever thankful for the people that did so much for me after my accident. In fact I have a picture hanging on my wall in my office right now of all the people that helped. If and when you have a catastrophic event and you manage to live through it, I will certainly do my best to make sure no one lifts a finger for you to ease your mental burden.
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Old 04-06-2015, 10:03 AM   #3
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Quote:
Originally Posted by Neon Samurai View Post
In the many years I have been riding I have seen, due to the internet, an increasing amount of cases of financial burden.

It usually starts with someone riding a motorcycle, crashing...80% their fault it seems. The problem is the common motorcyclist isnt at all insured to pay for medical bills or damages. We all know most people here especially, carry Liability.

Now thats just stupid.

This is a dangerous sport, we dont have a cage or airbags to protect us. Sure, the best gear will minimize the impact...but you can still be severely injured.

So the problem is everyone things "That won't happen to me, I'm an awesome rider." or "I just slow and safe" or "I just ride the track".

Yeah, yeah, yeah. I've seen every badass rider go down, and every GOOD rider knows its going to happen.


So the real dilemma is all the "BBQ Plate" and "GoFundMe for medical costs" etc.

These just need to stop. If you have friends, you dont need a website or advertise for funds. So basically what you are doing is sending a message to all motorcyclists that its OK to engage in a highly DANGEROUS HOBBY and not be financially responsible. Let me tell you, even the best fund raisers dont ever put a dent in medical costs. Its really just a waste of everyone's time and money.

So lets end this madness.
Or you could just choose not to donate or participate . Apparently you have this preconceived notion that insurance pays for everything.
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Old 04-06-2015, 10:04 AM   #4
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I like BBQ
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Old 04-06-2015, 10:06 AM   #5
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Quote:
Originally Posted by bdmpastx View Post
My initial out of pocket cost of medical the first year topped $250,000. That was with "awesome" insurance.
Maximum out of pocket for current plans is 6,600 or less.
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Old 04-06-2015, 10:09 AM   #6
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I have max personal injury coverage and it isn't . It only covers my health insurance deductible for a surgery.
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Old 04-06-2015, 10:09 AM   #7
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OP what is instead of a BBQ we do burgers at Denny's?
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Old 04-06-2015, 10:13 AM   #8
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What if they hire a DJ......Chubby get in here, I have an idea!
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Old 04-06-2015, 10:27 AM   #9
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Quote:
Originally Posted by Neon Samurai View Post
In the many years I have been riding I have seen, due to the internet, an increasing amount of cases of financial burden.

It usually starts with someone riding a motorcycle, crashing...80% their fault it seems. The problem is the common motorcyclist isnt at all insured to pay for medical bills or damages. We all know most people here especially, carry Liability.

Now thats just stupid.

This is a dangerous sport, we dont have a cage or airbags to protect us. Sure, the best gear will minimize the impact...but you can still be severely injured.

So the problem is everyone things "That won't happen to me, I'm an awesome rider." or "I just slow and safe" or "I just ride the track".

Yeah, yeah, yeah. I've seen every badass rider go down, and every GOOD rider knows its going to happen.


So the real dilemma is all the "BBQ Plate" and "GoFundMe for medical costs" etc.

These just need to stop. If you have friends, you dont need a website or advertise for funds. So basically what you are doing is sending a message to all motorcyclists that its OK to engage in a highly DANGEROUS HOBBY and not be financially responsible. Let me tell you, even the best fund raisers dont ever put a dent in medical costs. Its really just a waste of everyone's time and money.

So lets end this madness.
Ok so it doesn't put a dent in the medical costs.
It just might help pay the rent while the injured can't work. Or buy some food.
Or maybe just something nice that couldn't be afforded because of the circumstances.
If nothing else is a way to show you care enough about the injured to pitch a couple bucks in the hat.

It's only a waste of time and money if you participate. You're free to say, "No thanks"
when asked to buy a ticket.
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Old 04-06-2015, 10:39 AM   #10
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Quote:
Originally Posted by Neon Samurai View Post
So the real dilemma is all the "BBQ Plate" and "GoFundMe for medical costs" etc.

So lets end this madness.
... The real dilemma is that I don't need an excuse for BBQ... lets stop the madness and eat for any reason!
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Old 04-06-2015, 10:41 AM   #11
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Quote:
Originally Posted by bdmpastx View Post
My initial out of pocket cost of medical the first year topped $250,000. That was with "awesome" insurance. I couldn't tell you how much it has cost me the 10 years afterwards. I would guess somewhere near a million or so. That is out of pocket cost. Not what the insurance paid.
How is that even possible?
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Old 04-06-2015, 10:45 AM   #12
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Quote:
Originally Posted by False View Post
Maximum out of pocket for current plans is 6,600 or less.
what, for in network?

Think you get to choose in network vs out of network provider when your not conscious?

And if you got a plan that covers nothing out of network your .

Then there is all that that just flat is not covered my medical insurance.
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Old 04-06-2015, 10:45 AM   #13
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Quote:
Originally Posted by Repth View Post
How is that even possible?
A lot of policies had limits, just like car insurance. Obamacare did away with limits, that's why premiums went up.
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Old 04-06-2015, 10:50 AM   #14
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A lot of policies had limits, just like car insurance. Obamacare did away with limits, that's why premiums went up.
Thanks, Obama!

not sure if serious...
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Old 04-06-2015, 10:54 AM   #15
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Quote:
Originally Posted by Repth View Post
Thanks, Obama!

not sure if serious...
Quote:
Annual Limits

The Affordable Care Act bans annual dollar limits that all job-related plans and individual health insurance plans can put on most covered health benefits. Before the health care law, many health plans set an annual limit a dollar limit on their yearly spending for your covered benefits. You were required to pay the cost of all care exceeding those limits.
http://www.hhs.gov/healthcare/rights/limits/
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Old 04-06-2015, 10:59 AM   #16
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Quote:
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Thanks, Obama!

not sure if serious...
It's actually a good thing, but what do I know?... Read the link if you aren't sure what he's talking about.
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Old 04-06-2015, 11:01 AM   #17
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Thanks for the link. The "not sure if serious" comment was meant in jest, because most people who say "thanks, Obama!" are being sarcastic, but this actually sounds like a good thing at face value.
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Old 04-06-2015, 11:02 AM   #18
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The down side is that the cost of medical care can be what ever they want. If everyone has insurance then the cost are not cared about
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Old 04-06-2015, 11:27 AM   #19
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User is banned

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Old 04-06-2015, 11:31 AM   #20
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Quote:
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The down side is that the cost of medical care can be what ever they want. If everyone has insurance then the cost are not cared about
Did you really think they cared before? Have you looked at medical costs over in europe where they've had subsidized healthcare for a while already? If what you say is true then why are their procedures significantly cheaper?
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