im sure mine will easily be trumped:

cat scan $2000, crazy gluing cut on head $2000, bed and iv for 4 hours $2000...still being on parents medical PRICELESS.


my bets on most exp. goes to bbr

3/15/2007 1:43:46 PM

yeah, mine are around 150k total. not including my most recent hospital stay and two surgeries.

3/15/2007 3:01:33 PM

I'm sure pwrstrkdf250's shit was pretty expensive when he drove his 4 wheeler off a cliff.

3/15/2007 3:05:01 PM

i dropped almost 10k when i got drunk at the race in charlotte last oct and ran head-first into one of the bleacher support beams... was goin full sprint trying to get away from the security

3/15/2007 4:51:16 PM

paging tripleD4u

although his would be more like "OFFICIAL unpaid hospital bill thread" lol

3/15/2007 4:53:18 PM

^^HAHA dude, i think i saw that! we were walking around to go sit in another spot, and saw this crowd of people with some ems around a dude on the ground.

3/15/2007 4:59:29 PM

^holy shit... i was b/w turn 1&2

3/15/2007 5:48:17 PM

lol, had to be... we were walking back torwards the ford grandstand on the front stretch from being around the entrance of turn two.

3/15/2007 5:51:03 PM

Hey I paid half of them billz im not paying the rest they did not give me enuff pain killerz

3/15/2007 5:52:19 PM

small world... i had avoided any refrences to that on here until now- figured someone woulda seen me
the recipe for that is quite simple.. pint o jack, 2 bud lights, 20oz bottle of moonshine all in less than an hour
that yields a 3/4" crack in the skull... large subdural and small subaracnoid hematomas, a chipped tooth, and some permanent memory loss and personality changes

and the 10k in hospital bills.. wee

3/15/2007 5:57:14 PM

lol, damn... we figured whatever happened was alcohol related, haha.

we get pretty crazy at the races too, but knock on wood nothing has ever happened other than a few harsh words from security/police and some parking lot altercations with the rednecks.

post all star race a couple of years ago, lol:

3/15/2007 6:25:03 PM

mornin after

3/15/2007 6:33:32 PM

haha, nice.

3/15/2007 6:38:40 PM

wait u cracked ur skull paid 10k in medical bills. i gash my head slightly and it's 6k!

3/15/2007 6:57:12 PM

well, they didnt actually do anything.. if i had been left lying on the concrete i'd be just the same today- just 10k richer

i refused any treatment after i was back to a reasonable state of mind.. just wanted outta there
no insurance

[Edited on March 15, 2007 at 8:04 PM. Reason : .]

3/15/2007 8:03:17 PM

oh man that sux then no insurance

3/15/2007 8:07:00 PM

yeah, i've had a major lesson in how important good auto insurance and health insurance is.

3/15/2007 8:08:33 PM

and how if you're gonna get hit it should be by somebody in a new beemer

3/15/2007 8:20:33 PM

Quote :

"i've had a major lesson in how important good auto insurance and health insurance is. "

Explain this to everyone.............Insurance is one of thoese things most everyone has but very few understand how you can get screwed when you really need it

3/15/2007 8:29:16 PM

yeah... i'm seriously considering goin back to long haul trucking just for the benefits

3/15/2007 8:36:57 PM

15k for my knee surgery. About another 5k for physical therapy.

3/15/2007 8:57:36 PM

Quote :

"yeah, i've had a major lesson in how important good auto insurance and health insurance is. "

second that, recently upped my liability to the max on the bikes and as much as i could afford on the cars.

3/15/2007 9:07:46 PM

Quote :

"Explain this to everyone"

well, basically if i didn't have good health insurance i'd be responsible for all of my medical bills (or at least a good chunk). it's also possible i would be denied certain aspects of my care, or at least wouldn't have recieved the top notch orthopedic/infectious disease specialists that i have.

if decent auto insurance wasn't involved between the guy that hit me and the policy on my truck, i'd be screwed for lost wages and the small percentage of the medical bills i do owe. even all the little out of pocket expenses add up and otherwise wouldn't be compensated for, such as gauze wraps for my wounds for example. that stuff isn't cheap.

so, in short, i'd be in alot of debt, broke, and probably in much worse physical (hell, and emotional) shape.

alot of people just opt for the cheapest auto policy, because they see no need to have extra. also, even the state minimum sounds like alot of money. it's not. there is one main reasons why you should carry a good policy:

if someone hits you, and they only have the state minimum, that's all you get. period. there is no sueing the insurance company, there is no sueing the person for more. if they're policy was 30k and your bills/expsenses are 50k, tough luck. unless you have a good underinsured section on your policy. then your own company helps fill the gap. it gets trickier than that for all the legalities and i won't go into trying to explai it, but the bottom line is carry as much underinsured coverage as you can.

i used to always get the cheapest car insurance, and i've even spent some time without health insurance before. never again, i don't care if i'm paying my premiums vs. eating.

[Edited on March 15, 2007 at 9:26 PM. Reason : .]

3/15/2007 9:17:34 PM

just know for those of you without insurance, as long as you pay a minimum of $5 a month, they can't mess with ya.

3/15/2007 9:20:43 PM

If you want to get rid of them quickly they will generally give you a 20-25% discount if you pay them off right away. Just call them up and say you can't really afford to pay the entire bill at this time but if they will settle it for a lower cost you may be able to get the money...whaa-laaa instant discount. I had a hospital offer this to me once without me asking, I've since used it twice.

2nd...ummm, why's this thread in the garage?

[Edited on March 15, 2007 at 9:51 PM. Reason : a]

3/15/2007 9:48:24 PM

so for motorcycle insurance.... im insured if an uninsured motorist hits me. i might want to increase the coverage on that tho. i think i made it pretty big since it wasnt a lot more to begin with.

3/15/2007 9:56:48 PM

right... there should be a section on your policy saying something to the effect of uninsured/underinsured coverage. that's what you have to fall back on if someone hits you and they have no insurance or not enough to cover your exspenses.

NOW... here is the hitch. your un/underinsured coverage has to be in excess of what their policy will pay out. otherwise, under the law, they're not technically underinsured since they're coverage is more that yours. that's another reason to carry as much as you can, to make sure you qualify for it if you need it. also, it's usually a VERY small increase in your premium for ALOT more coverage. insurance companies/agents don't inform you of this. probably because it puts them at risk to lose alot more money when they're not bringing much more in to compensate.

Quote :

"i might want to increase the coverage on that tho"

i would. especially with a motorcycle knowing your chances of some idiot plowing into you are greatly increased.

Quote :

"2nd...ummm, why's this thread in the garage?"

i dunno. i guess it's relevant with the auto/bike insurance topic. otherwise not.

[Edited on March 15, 2007 at 10:07 PM. Reason : .]

3/15/2007 10:05:28 PM