I'm confused by this insurance concept. You've put a bet on with a company that shit would happen to you in everyday life? Is this a common thing around the world?

In the UK you wouldn't normally take out an insurance product for this - what would happen is that if you were injured in an accident that wasn't your fault, you'd take legal action against the person whose fault it was, seeking damages.

Can you tell us a bit more about your situation, steeph?

In particular:

1. What actually happened? Who caused the accident? Was it clearly their fault, and not yours? What injuries did you suffer?

2. When you say you didn't "fully" recover, what do you mean? What effects are you still suffering? Are you sure they were caused by the accident and not by earth radiation?

3. What does your insurance product actually say you are covered for?

4. If there is a time limit on when you can claim, the insurance documents should make this clear. What do they say?

Yeah you sue them. I don't know where insurance omes into it.

get a lawyer, you dutch dipshit.

"Isn't there like a statue of limitations on that?"
"Statute."
"What?"
"Statute of limitations. It's not a statue."
"No, it's statue."
"Fine, it's a sculpture of limitations."

Also your parents work for this insurance company and you're making a claim against a co-worker? seems legit

Legal action is covered by the insurance company. The company would of course not want to waste money on it if it's obvious and the company would pay anyway.
So in theory, not counting legal action, it would all have to do with the insurance of the person who harmed me and not mine, but that's the same as mine, so it's irrelevant...
I also don't want to bleed the person dry or anything, so I don't want to sue him.

The person took full blame, it just didn't seem like there was any lasting physical damage.

I got hit by a car while standing still on my bike. The guy should have gone around me but he didn't see me and ended up hitting me. It's obvious that he was to blame and he completely agreed.
The damage would be to my legs, my right leg in particular.
When trying to walk normal I feel a shitload of pain, so I basically learned to walk again in a slightly different way, basically moving slightly sideways while moving forward.

Although my leg still gets painful rather quickly, I can walk, run, play football and jump, but compared to before, I really did lose some skills.

I'll try to explain why:
Before the accident, if there was a building between me and where I wanted to be, I would often just go on the building and off on the other side rather than going around. In some cases that was even faster, and it was definitely more fun.
Now, walking the stairs requires more determination and suffering than climbing buildings used to require.

It's of course hard to prove, but I'm pretty certain it can't be something else. Other than that, nothing really bad ever happened involving my legs...

No SYnapse, not a co-worker, a person who has the same insurance. Basically, the company would pay, and that's what they're for.

Speaking on behalf of homeowners everywhere who take exception to strangers using their roof as a shortcut, that driver deserves a medal :p

It was actually usually an unused school building that was soon to be destroyed. If not, other stuff that no one gives a shit about.

Not houses, useless buildings :)

"I got hit by a car while standing still on my bike. The guy should have gone around me but he didn't see me and ended up hitting me. It's obvious that he was to blame and he completely agreed."

You shouldn't stand on your bike. Even with a really strong kickstand, it's still an unstable base.

Uh....it's obvious he was to blame? How so? You were standing somewhere with your bike, obviously with some sort of obstruction to the view and in a place where, presumably, it is legal for automobiles to drive. Was the man ticketed for hitting you? If not...then it is not at all obvious he was at fault.

The fact that Mum and Dud didn't take legal action prior (*especially* since they work for the man), would indicate you've got shit for a case.

"Basically, the company would pay, and that's what they're for. "

Bull. If you were at fault, the company should be penalized for your stupidity standing in the street with your bike.

NOT that I'm not sympathetic to your pain - don't misunderstand me. Personal sympathy and all that...hope you get better soon, blah blah blah, maybe you have cool cyborg implants in your future yaddayaddayadda....but that doesn't mean the guy/company should get whacked for you.

You used to climb buildings and jump from one to the other....yeah, you are in no way a risk-averse person. Who's to say this injury isn't also the culmination of the occassional fall from a roof/tree/whale hopping expedition? Becuase the defense lawyer would try to tear you up.

While I agree with you in principle Krellin, the law always requires cars to stop if possible and to keep an eye out for obstructions.

To stop *if possible*. Keep an eye out for obstructions does not guarantee that is possible. If a kid is standing on the other side of some visual obstruction in what any reasonable driver would expect to be a clear driving path, it is not necessarily the driver's fault. Again, I think the lack of action by the parent's is perhaps telling. Moreso would be to know if the driver was ticketed; in the absence of a ticket, it means the police did not assign guilt to the driver, and the kid has no case (at least in US law, I believe)

I recommend physical therapy for your leg, learning to walk differently is just going to ignore the problem and probably cause you issues down the road. Try and get the insurance company to pay for PT if you can.

I have trouble explaining this in English, but I was exactly where I was supposed to be: on the right side of a crossover, as close to the side as possible, exactly where you should be as pretty much any Dutch person can tell you. I was in plain sight, the man was waiting until he could cross, he accelerated, made a tight turn...

The man was very cooperative, so I see no reason to get police or legal stuff involved. I mean, those are for disagreements, right? There was no disagreement. He just messed up. I had no interest in seeing his license gone or whatever, he was a fine driver with a bad day. We parted as friends. I don't hold any grudges as a rule.

As for me being not very risk-averse, first of all, I never jumped from one building to another, and second, well, that's a whole new story.

On that note: listen closely, it's story time...

I have always been very calculative, all the time. However, there's no point doing calculations if you don't know what you want to reach. I decided at quite a young age that I, above all, wanted to help. Help people in need, more specifically. Save people, ideally. So yeah, I suppose I wanted to be a hero, but definitely not for the fame or name. Being a hero would just be a positive side effect of the goal: helping, saving.

Now, knowing that, back to my calculative mind. First of all, I tried to remain calm in pretty much all situations. To increase my chances of helping/saving people, I realised I could use some helpful skills. I also reckoned that learning those skills is the most efficient way to spend your average lunch break.

There was a lot of bullying on my first school, so I ended up protecting the ones who got bullied, usually meaning they wanted to fight with me next. I used 2 skills for that situation: I learned to fight, in case I couldn't run or they would ignore me and keep bullying their first target, and I learned to escape, because I think fighting should be a last resort. Also, if you're outnumbered, you don't want to face a lot of people at once.
Fighting is irrelevant for my point, so on to escaping. Escaping is the skill I used/trained most in various ways. I became very fast, agile, and I learned to climb all kinds of things in order to escape. If you think that last one is a pointless skill, let me tell you that I used it to actually escape in some bad situations.

Now back to my calculating mind again: with me trying to help against bullies so often, escaping really became a primary skill, and every so often, I needed to climb to escape. And if you are going to do something sooner or later anyway, it's best to learn it at ease instead of when you're with your back against the wall. That's why I practiced climbing buildings and trees. As I said before though, only when I was sure I didn't bother anyone with it.

So, at some point, I was experienced in all those skills, and I left that school. I kept training just in case, because my goal never changed, up to this day. I did so in a safe manner though. I didn't take any risks, I first eliminated all risks before doing something. Honestly, the riskiest thing I did back then was probably running, because I might trip. The climbing thing wasn't like that because I had everything completely thought out before I started, with backup plans and everything.

Then, the car. I have since wanted to try it again some day, but by the time I sort of recovered, all the places where I don't scare the crap out of people when getting on the roof were gone. There used to be abandoned buildings, but they all got removed... Tree in our garden got removed...

I think I might be able to do it again if I tried, and I want to try again, and I have done tougher things, but for now I'm just a guy who isn't the fastest, strongest, most agile or best climber, even though he fought the hardest for it.

I'm the guy who dedicated so much to be able to save people in a way few others could, but is now just another guy, thanks to his dedication. A guy with the heart in the right place, with his soul intact, still eager to help, but still...

Don't get me wrong. If someone had to get hit by a car that day, I don't mind it was me. I think that if it was your average guy, he wouldn't be able to walk the way I do now, although that might be wishful thinking. With my calculating mind, I always had a plan for all kinds of situation. I knew what to do the moment I realised where the car was going, and I think it could have ended much worse if that were not the case.

I recently realised I really lost something that day. I lost part of my rather unique lifestyle, if I may say so. Yes, I cried the second I realised it, but I'm happy I realised it. It means I can start getting it back. After all, I've been through worse.

I suppose I also got something in return: almost every day, I try to stand up, and almost every day, I'm happy because I'm standing again. Because I'm walking again. Because I'm ready to help again, should I be needed. It drives me.

I hope you learned something today, krellin. A good day to you, my friend. And not just today.

@ steephie: You haven't answered my questions numbered 3 or 4. Tell us about this insurance product you're talking about?

@jmo: that's probably a good idea, although I must admit I prefer doing things on my own. I'll probably do that in a holiday. There's no rush after 5-6 years I suppose.

Jamiet: I don't know those details, hence I didn't answer. I suppose that if there was anything to be gained it's too late now though, especially since I have little proof. That said, the insurance probably covers therapy although I don't know about these circumstances, so I'll definitely check that.

Oh, and I realise now that I forgot to mention that I sometimes don't notice anything wrong, although it's sort of rare I suppose. I still walk a little weird at those times though. I think the problem is that there's pain very quickly, but it's not continuous.

We get a special kind of crazy on this website, don't we? It's kinda special.

Calling me crazy, eh?

... Why? I couldn't care less what you think, but now I'm curious why you think it :)

Because I read your post :). The "anti-bully warrior" narrative is surprisingly common among the more colourful lunatics of this site. Yours is a far less crazy than the last one I read, though, so I wouldn't worry.

+1 for steepie.

@Krellin
I may agree with what you say once in a while, and you do make me laugh quite often; but wow you come off as a apathetic jerk sometimes...

slyguy - he's asking a legal question, not a touchy feely stroke-steephie-on-the-head-question. If he wants a hug, he should ask for a hug.

If the moron wants a questions answered involving a legal situation, he should explain it in detail THE FIRST TIME.

As for me "earning something" - yeah, I learned that people can't handle the truth very well. steephie is pissed at me for asking rational questions about his situation, when those questions were very *obviously* legitimate questions, as the whiny fuck took the time to finally tell the *whole* story* (or what he believes is the whole story).

Hopefully Steephie learned a lesson: Tell the whole fucking story the first time, and don't just put a two liner bullshit whoa-is-me-post seeking legal advise if what he wants is emotional comforting.

I'm sorry he has a long-term injury...I really am. That would be a hard thing to deal with. He should probably be pissed at his parents for never doing anything about it...doctor, therapy, etc. Maybe it's the shit-poor (presumably) socialized medical system in his backwards country that is the problem....(just sayin'...)

@Octavious: ah, but I don't claim to be immune to pain and that shit, nor do I sacrifice myself. I'm just a calculating person with a focus on helping people, and perhaps a strong determination, but no superpowers/rare disfunctions I call superpowers.

I should also note that part of the reason I want to help/save is that I know that I can't just stand by while someone is in trouble and move on with my life. I think my conscience would break me up sooner or later. So in that sense I suppose one could even consider it egoistic.

So please point me to the lunatic part :)

@slyguy: thanks, but I think you don't understand krellin very well. It's more of a tough love-ish thing if you ask me. If you're smart, you only post here if you're ready for an often unorthodox discussion, and I am. Krellin usually manages to really add something, unlike many people who are being nice.

Moreover, if you refuse to pick a fight with me even when you know I'm wrong, you're not a good friend if you ask me. Krellin might be overdoing it, but then again, he's just a stranger on the internet.

Not to be a dick, but these are the same parents that buried a brick of lead in their yard to get their infant son to stop crying. Not sure they are the best at resolving problems.

"I suppose one could even consider it egoistic"... To put it mildly, yes :p.

You see, steephie, the mark of a true Crazy (with a capital C) is an inability to grasp how crazy they are. As such I will be totally unable to convince you no matter what I say. Krellin, by way of contrast, delights in acting crazy but is really very normal.

Don't worry though. You're fun crazy. Thucy is scary crazy, but mostly harmless unless someone gives him power. The only ones to worry about are the evil crazies like... well, it would be unfair to say.

I, of course, am perfectly sane :)

I'm not crazy - I took a test on the interwebs and it said so.

I think Steephie knows I wish him no ill-will.

Ugh, message got lost...

@abgemacht: not a brick, but good point. I still want to investigate that though, might be a scientific breakthrough, so worth a shot when I'm bored :) Seriously though, I know it doesn't make sense.

@Octavious: I don't want you to convince me, I want you to explain your reasoning and definition of crazy. Do you mean eccentric? If so, hell yes. I have my own ways for many things. I try to think in a different way. That's on purpose though. You see, I don't want to be one of those people who do the same as everyone else, again and again, because I want to really contribute to society, and there are already enough 'normal' contributions I'd say. If you do everything according to the book, you'll never do something innovative.

Making a real difference starts with being different I'd say. If different is crazy, then yes please. If not, I would still love to hear your definition/reasoning.

@krellin: I do know you wish me no ill-will. Will get back to your previous post... Maybe tomorrow.

I will say that I was indeed asking for legal advice (in a webdip sense :P) and that's indeed what I wanted. You were clearly looking at it from the 'normal' perspective so I decided to show my perspective, and then I wanted to finish my story...

The point of the long part was initially to show you that risk depends on what your aims are and what would define failure for example. From the perspective of my aim, I consider myself risk-averse. I hoped you learned something about my perspective. Being able to see stuff in multiple perspectives (without getting it spelled out to you) is a good skill. I wonder if you picked it up or not.

@ Steephie:

"Jamiet: I don't know those details, hence I didn't answer."

If you don't know what the insurance covered, it's pretty damn difficult to make a claim. So your original request when you started this thread is pretty much guaranteed to achieve nothing at all.

How do you know that you are insured at all, if you have no details?

"I suppose that if there was anything to be gained it's too late now though."

Yup, probably.

"If you don't know what the insurance covered, it's pretty damn difficult to make a claim. So your original request when you started this thread is pretty much guaranteed to achieve nothing at all."

My initial reply, which is still the case:

"I know, I should discuss this with the company or my parents (who both happen to work at that company too :P) to be sure, but it just came to mind and I'm home alone so I thought I'd hear what webdip thinks."

"Now back to my calculating mind again: with me trying to help against bullies so often, escaping really became a primary skill, and every so often, I needed to climb to escape."

Have you read about Bas Rutten? Same backstory, now he's a kick ass MMA fighter. Don't mess with steephie.

I would never want to be an MMA fighter I think, but I wouldn't be the worst I'd say.

All right...I've given this a lot of thought. Here's the plan.

This may take patience and a lot of time. I would also recommend if you have access to any strong over-the-counter pain-killers, or illicit narcotics/hallucinogens, maybe...just a thought. Anyway...

Get that bike of yours back out, and prepare to return to the same location. Clothing is going to be important, too - you may want to go preview the area and look at your surrounding. Is there a lot of foliage? Red brick buidlings? Whatever...just make sure your clothing is someone compatible to the surroundings...I'm not going to say "camouflage" but....OK, I'm gonna say camouflage...yes, definitely. BUT, underneath your strangely camouflaging upper-wear, put a red or orange shirt underneath...and then...

...I know you are dreading this already, but it's the best course of action, I assure you...

....take you spot. Bike, standing in the same spot. You may experience flashbacks...that's why the illicit narcotics may help to calm your nerves....but I also suspect it is going to take days, maybe weeks for your plan to come to fruition...so your nerves will probably be calmed when the moment comes.

AFTER you have been hit by a car again in your camouflage outfit, hopefully you will have enough sense of mind to remove your top and expose your bright red or orange shirt, so when the police arrive on the scene, they will give a cock-eyed look at the driver, who is probably still trying to send whatever text message he/she was composing when he/she ran you down. This, coupled with your obvious bright clothing, will guarantee that the lawyer you already have on retainer will have an open-and-shut case, and Steephie will be set for life.

No thanks. Then I'll just earn my living the 'hard' way.