In rehab now. Painkillers on the reg. Wanted to discuss something on the financial side though. This year when I signed up for my USAC racing license, I for no specific reason decided to "splurge" for the Race+ package which includes a supplemental accidental insurance despite never thinking I would actually use any of the insurance.
This accident is 100% going to max out my deductible and out of pocket given the surgery, 3 week hospital stay, and various medical equipment I'll need to obtain But the supplemental insurance covers up to $25k out of pocket per incident whether racing, communing, group ride, etc.
I have not found very many reviews of how people's claim processes went (other than one guy who's reimbursement took a while and got slightly less than he thought he should). My initial gut feeling is that the extra $40 or whatever it is now on top of the racing license is totally worth it. Even if I run into some problems and they reimburse only $24k instead of $25k, still worth it.
Still a little bit of time until the bills start rolling in and I have to go through the claims process for the supplemental insurance, but once that happens, I intend on posting updates here on the process just so people know.