The epilogue of the getting hit head-on story is cops were there within minutes and asked if I wanted an ambulance. One was nearby & showed up a few minutes after the head-on. I didn't think anything was wrong with me and turned down the ambulance that showed up. Yah, I'm fine, I'll walk off getting hit head-on by a truck, rub some dirt on it.
The ambulance left and the CHP looked at me and said how about I give you a ride to the emergency room. He had been an helicopter pilot in the Army & we chatted away about the military after he learned I had been in the Marine Corps. So we first put the 18-yr-old kid in the back of the squad car and the CHP drove him home to his house and dropped him off. He lived a couple miles away. How's that for a little uncomfortable to have to ride with the guy you just hit with your truck and totaled his motorcycle and getting dropped off by the cops. During the drive to his house, I put on my dad hat and scolded him like he was my teenage son. You could have killed me I said to the kid. Head on with a pickup is no joke. He was quiet and just took it. Oddly, I felt a bit sorry for him. We were all 18 once, and we've all done some stupid things back in those days.
At the same time, my bike is pretty messed up & not rideable, CHP had called a flatbed which comes gets the bike and takes it my house about an hour away. Worst part of this story (for the married guys) is the wrecked bike showed up at my house with no me, I hadn't been able to reach my wife yet that I had been in a wreck as the hospital I was at had no cell signal and I hadn't called her. Yeah, I'll let you process that for a moment. Wrecked bike, no husband. She wasn't too happy about that because she had no idea what had happened. We got a hold of each other shortly thereafter and she came and got me at the emergency room. The swelling in my leg from the blunt force of the pickup was extreme but no broken bones. The bumper had hit me squarely in the ankle/shin right below the knee. (no armor there) Emergency room doc mentioned something about Compartment Syndrome & insisted I stay overnight. I had never heard of that & had no idea what that was. Plus I was afraid of the emergency room bills. Turns out Compartment Syndrome is pretty serious and worst case you could lose the leg. The swelling was so extreme, it pushed interstitial fluid into my pores and my leg would bleed clear fluid through my pores for days. But I led the next motorcycle tour 14 days later as the swelling went down just enough I could get my boots on by then. I had to do physical therapy on the knee for a long time & the ruptured ligament in the back of my knee slowly healed. No surgery. Lucky.
Terry, to answer the original question, he's an 18-yr old kid with no insurance & no registration for his unplated pickup, he has no money. However, I've been doing this a long time & I'm heavily insured. Normal insurance covers the bike & my medical bills. I loved that Z1000 and should have probably kept it & fixed it, but I let insurance total it & I got another Z1000 nearly identical to the one the kid hit. Moral of this story is he's uninsured. He has nothing to give. However, I have uninsured motorist endorsement on my bike policy. That means in a wreck, I can sue my own insurance company (Farmers). I got a motorcycle lawyer and sued my own carrier (Farmers) for my medical bills and bike replacement. What I didn't know about the insurance world is the settlement worked out to 3x the damages (including medical bills).
The big thing I had going for me was it was plain he hit me and I had witnesses (the guys behind me that saw the whole thing), their eye-witness version of what happened all matched the police report so there was zero dispute by the insurance carrier of what happened & who was at fault. The settlement was $70,000 (3x the total damages + medical bills). Lawyer gets 38% of the award & I got a check for $43,000 out of the accident. Wife and I paid off all the (medical) bills & used the remainder for a down payment + closing costs on a house. We had been looking for a house for awhile and had no idea if we would get anything + the litigation took forever. The litigation finally settled 2-1/2 years after the accident.
Worth mentioning if I wouldn't have had the uninsured motorist endorsement on my insurance on the bike, I would have gotten nothing other than a new bike. The kid has no insurance and vehicle he hit me with was uninsured so I can't sue him. However, uninsured motorist endorsement allow me to replace the kid with my insurance carrier (Farmers) and I can sue my own insurance carrier for my bike and my medical bills through the motorcycle lawyer as my advocate. Don't ever ride without Uninsured Motorist Endorsement on your insurance policy.
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