Here is the quick story...... Went out for a ride at the local track on a practice day. Been riding that same track for years. Wearing all the best gear available. Had a low speed spill going through a rhythm section. Bike swapped out on second whoop so it wasn't a triple double double wreck where bodies and bikes went flying. Felt like lightning hit my leg. I instantly knew I was screwed up. Broke all three sides of the ankle and my fibula again higher up. Urgent care, Ortho Doc, MRI, Surgery (Couple Pins, few screws and a plate), 1 night in Hospital, whole bunch of pain killers, rehab, CPM machine, etc. 7 weeks into it and another surgery scheduled in 2 more weeks to remove the pins. Today I get home and in the mail box is my quarterly insurance statement that explains my benefits for the past quarter. $46 thousand dollars in medical expenses since Sept 9th when I broke my leg. Thanks goodness I have a high paying desk job and awesome medical insurance. Holy how is someone suppose to pay these bill if their insurance says no? I've got one of the best health plans around with super low co-pays ($50 bucks for ER and $200 for surgery for example) and I'm already out about $3K. I'm not into telling anyone how to run their lives, but I would highly suggest having good insurance if you are planning on throwing your leg over a bike. I've got at least two more surgeries and a bunch of rehab ahead of me. I wouldn't be surprised if this little accident didn't cost 100K when all was said and done. Also I have a PPO so I can go anywhere and don't need referrals. I would also highly suggest that. I don't know how I would have been able to handle this if I had to ask mother may I every time I needed a treatment. Just thought I would share this info. I was shocked when I opened that letter today.