here's exactly how it works, I know because I got hurt and it happened to me.
you go to the ER everything gets checked fixed whatever.
a month later you get a bill, 100% of ALL costs incurred xrays, MRI, ambulance, Dr (Dr in ER is separate from above bills) I got 3 or 4 separate bills iirc. anyway, your insurance AUTOMATICALLY denies it as it's an accident and they claim 3rd party involvement.
you call them up tell them wtf... they may or may not argue, they will want the story, if you tell them the truth in this case, they WILL NOT pay it regardless. I ate sh*t on no ones land the 3rd party was my bike the 4th party was the rocks I landed on. they ended up paying 3 months later after countless phone calls/convo's and alot of pita...
if there WAS 3rd party involvement you're screwed basically.. ALL insurance places are doing this now according to the ER bill collector lady I talked to. my co-workers had the same thing. one his OWN dog scratched his eye, same 3rd party pull. another guy, his daughter fell off their quad on THEIR land, 3rd party claim... all got paid but they made big stinks.
the problem was they told the truth at the hospital... if they lied, they could've stuck with their lie. but that ALL would've been knowingly to save UR sh*t.
no offense but they're talking politely because the way it went down and they're listening to their insurance... you are more at fault for packing on a bike that says no packing and allowing him to not wear a helmet... sorry, it's the truth
