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WARNING THIS IS WHAT IS HAPPENING TO ME,

Last October I was on Holiday in Crete and had a motor bike accident where I obtained injuries such as Swelling on my brain and Broken Ribs injuries to my back legs and feet.

I was hospitalized for 4 days due to these injuries.

I was admitted to hospital in Herakilon, where I have bills at the price of €2096 plus additional charges for 2 different hospitals where I did receive the best of care, bills of €2000 since i came home to receive the medical care that i need.

The Accident:
The accident happened on the morning of the in gone October where I was the passenger of a motor bike.

I do not remember anything as of my injuries I sustained.
My travels companions told me that the police were at the scene of the accident, but there is no police report.
When I woke up that morning in my friends apartment I was very sore and had no idea I was in a accident only a few hours before, I had bandages on my back, shoulders legs and ankles and that was clear evidence that something serious had happened to me as i looked down to see my blood soaked clothes. My friend told me that I need to go back to the hospital to check my cut and bruises and pains as I was hysterical and would not stay in over night.
When I got to the Clinic in crete the doctors examined me and asked me how were my stitches, again I was unaware I was suddenly in the most agonising pain and still confused dazed I really thought it was all a bad dream. The doctor then told me that I will need to go by ambulance to Heraklion and again no one was telling me what was wrong with me.
I arrived in Herakilon (afraid) to the main hospital where I was examined straight away, then rushed in to get X-rays and admitted to the hospital ward, when I arrived on the ward I was again alone had no understanding of my condition all I knew was that I was in extreme amount of pain, within 20mins I was taken out of my bed and brought to another clinic by ambulance to get a scan where it confirmed the swelling on my brain, I was then brought back to the ward and where I lay in shock, I was so upset just thinking that only a few hours ago I could of died still could not believe any of this was happening to me.
While I was travelling around from one hospital to another my friend was contacting the insurance company to report my accident and they told her everything is ok and that she has given them all the information that they need in order to help me, then my friends left and flew home where I lay alone in the hospital bearing the fact that the insurance company told my friend to tell me not to worry.
I then received a phone call from the insurance company, and I do not remember the conversation but what I do remember I came off the phone crying as they kept asking me to remember the accident, during this stay in hospital no one approached me or informed me that I need to get a receipt of the bike hire and that they can not sort out anything for me till they need written evidence that a bike was hired, helmets were worn and a driver licence was given.
The interpreter told me that I need to rest and not deal with any calls from the insurance company but they kept calling and badgering me.
the insurance company called me again and I broke down in tears where the interpreter had to intervene and tell them if they need any information to please contact him and that he will assist you.
While in the hospital I was treated with the best care, but still lay in my bed depressed and worried about everything but everyone around me were telling me not to worry everything is fine and will be sorted, and that I need to concentrate on getting better.
The doctor came to see me and told me everyday that I can not go home as I was not well enough and the swelling hadn't gone down.
The interpreter got in touch with the holiday Representative and she came and visited me and told me that there was only one more direct flight to Ireland and that I need to get that flight at the weekend or I will have to do a lot more travelling to get back home.
She got in contact with the interpreter to find out if I was able to fly, they also contacted the insurance company and asked if they will pay for my ticket but I heard no word from them and the travel agents was closing in Dublin and my sister had to book me a flight home on the off chance that the doctor will let me fly.
The morning of the Due to fly home day the doctor said that I should be out that night but had to keep a close eye on me for the day.
10minutes before I was due to leave the hospital the receptionist received a call from the INSURANCE company telling me that they are happy with all evidence and will pay for my ticket home and the receptionists told them that I was already flying home and leaving with an escort for the airport in 10mins.
When I arrived at the airport I was lucky that I made a friend while in Greece as he escorted me in my wheelchair through customs where I was left sitting alone in the airport with my bags, with no help from anyone on the other end till a lady from Ireland seen me trying to hobble to the toilet told the air crew that no one was looking after me, and suddenly I was brought aboard the plane were they carefully look after me.
When I arrived into Cork Airport I was in too much pain to travel any more and my sister book us into a hotel where I rested for the night, the next day we drove from Cork to Dublin, I had no pain killers or any such drug to help ease the discomfort.
few days later I received a phone call from the insurance company asking me did I pay for the bills and flights myself and I replied I did, then they told me that its out of their hands now and that I have to contact their insurance people in Ireland (claims Board in Ireland), I felt they were extremely rude to me and really couldn't of cared less.
Then I contacted the claims board in Ireland and they apologised that they treated me like that and informed me that all I need to do was send my bills and details and to stop worrying as I got very upset reliving the whole experience again.
A few weeks later I got a call from a very demanding Person from the insurance company telling me that I need evidence that the bike was hired and the cc of the bike and helmets were worn, I told her that this information was given already and she said they do not have any record, she ended up being very nasty and it hurt me a lot, so I broke down in work on the phone. All the phones calls that I received from Ireland and the UK offices were heart wrenching and they showed that they didn't care, as the both offices were asking for different things and that they were not passing information on from one office to the other, different people were asking brand new questions any time I called.
A few weeks later I got all the bills and everything in order and was about to send them away when I decided to call the Claims board in Ireland just to double check that I had everything they needed and I spoke to a different person and she asked me if I have sent any forms in and I told her that I did not receive any and again I was treated rudely and abrupt. I sent of all forms and bills by register post and received a letter later telling me that they do not pay for Phone calls made during the stay in the in the hospital or pay for Bed and breakfast and that they need was a copy of my private medical insurance which I don't have, so I decided to call the Claims board here and informed them that I do not have any private medical insurance, and the assistant told me that everything was fine and that I should receive a cheque in 3 to 5working days, I asked her was she telling me that everything was being settled and she said yes, I replied to her telling her that she doesn't know happy I am at this moment of time.
3 to 5 Working days later, I received a letter thinking it was my cheque, but it was another letter telling me that they will not pay me anything till they have the information of written evidence from the bike shop and taken back that little bit of happiness I had for those few days.
I called them and asked them why and they said they can not do anything else for me and basically im wasting my time talking to them as they kept referring that the decision was made and that's what they have been instructed from the UK office.
I then asked them to give me the UK office number and decided enough is enough I wanted answers.
I called the office and I spoke with someone, he listened and he could not help me and said that he will get someone to call me within the hour and tell me something, I received a call from the UK office an hour later telling me that they will look into the case and inform me of the progression, I told her that if she could possible call me once a week and just let me know if they can get any where, I did not receive any calls I waited a month and I called back and she informed me that my closed is being closed and they will not do anything as they can not get any information from the Bike hire shop. I asked for the reason why they cant get in touch and she then told me that the numbers were invalid, I got the details back from her and used my head.
I contact another bike shop and asked them do they know of this bike shop and they told me the name of the owner of the shop and were he still has a shop open as he closed up his 2 shops were which the bike was hired recently. Clear evidence that the agents in Greece did not take my case serious enough to try a different approach like I did.
I then tried to contact the Insurance company and spoke to a different representative and she told me that this was a serious problem the agent did not investigate properly if I was able to obtain and track down the exiting bike shop and I kept asking her that same question. She told me that this was not my job and that I do not need to do this as I was the victim, she then told me that she will set an alarm on her calendar so she can give me a call back in 3days, I did not receive a call so I called back on the 4th day and she was not available anytime I called, I then contact someone else and told them the situation and again they listened and I still got no where, he told me to wait another few days and he was sure that someone will contact me, but I still was not contacted I tried to call again, which brings to this mornings call where again I was treated rudely and basically the out come of the call was I had no other choice than go to Greece myself to get this information that they could not get. I don't belive I should have to go through the whole ordeal again as im depressed run down not sleeping all the time worrying about the accident that I was a victim of and this is the way I get treated after paying my holiday insurance.

YOU SEE IS GETTING ON THE BACK OF A BIKE REALLY WORTH IT, I DEAL WITH THIS EVERYDAY FOR 8MTHS NOW, HAVE NIGHTMARES EVERY NIGHT NO SLEEPING SCARED,BROKE AND DEPRESSED AND IM STILL FIGHTING MY CORNER SOMETHING NEEDS TO BE DONE ABOUT THE RULES OF GETTING A BIKE, TOO MANY PRECIOUS LIVES ARE LOST AND I NEARLY LOST MINE SO I KNOW WHAT IM TALKING ABOUT, I MAY NEVER MAKE A DIFFERENCE BUT AT LEAST THIS STORY MAY STOP PEOPLE FROM MAKING THAT STUPID MISTAKE.
But I really don't know what I can do, but im determined to try even if

I cant remember.

It breaking my heart to think of this every day and ruling my life.

Im depressed

No help from the Greek Police as there is no report

Do I fly to Crete relive my nightmare all over again just to do someone elses job.
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Having read this account I could ask various questions. I wont.

I do feel that Survivor has already been through enough already.

I hope that someone may be able to give some practical advice.

I do think that it should be a lesson to all. We tend to forget that we have so many checks and balances here.

I do hope that all those who post about hiring mopeds/bikes when on holiday will take note. We all think it will not happen to us.

Having just returned from Crete and seen the standard of driving I have an even better understanding of the warnings that have been posted.

Get well soon Survivor.

fwh
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Survivor
I'm sorry to read your sad and as you say, depressing account of your troubles. :cry:
I can only say that there but for the Grace of God go I
I said in a previous post that I have hired bikes in Crete and had great fun on them but having read your post I think, this year when I go back to Crete, I will leave the bikes, mopeds and quads others. :shock:
Maybe I've pushed my luck on the roads of Crete and now it's time to use the good bus services.
As for the holiday insurance and medical bills, it may sound trite and you may not want to hear it now but those problems will fade away, maybe not today nor tomorrow but soon.
You will be stronger and you are already wiser because of it.
We all make mistakes and we learn from them so don't beat yourself up. Give yourself a new dream to replace the nightmare and go for it 8)

Patrick

PS ( added, after thinking about it )
Do I fly to Crete relive my nightmare all over again

Hmm.... thinking about this I would have to ask
What is your financial loss to date? OK I know there is more than just money involved. About €4000 ?
That may seem like a big sum now but is it time to cut your losses ?
I'm not saying give up on it.
How much is it going to cost you to go back both financially and mentally?
Others may disagree with my questioning here but sometimes when you're in a hole, stop digging and climb out :)
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Hi Patrick,

the money means nothing to me, my life and happiness is so precious to let a small minded Insurance company bully me into paying, i will try everything to win my battle, but i will not spend a penny more than what i owe, their are so many different alleyways in order to find out the information i need without reaching into my wallet, its what you do with this information and if you are thinking realistically. I came back from Crete a quivering mess, didnt smile could not be happy, still in shock could not eat, ended up in hospital here due to stress from accident and insurance company, when i was dealing with them i never experienced more rude heartless insulting people non professional people, these people were not trained when dealing with delicate matters like mine, always coming of the phone crying and feeling ill from the stress they caused. But now im stronger and determined to win, ok im prepared for a downfall but i will not give up, when you have been given a second chance with life at such a young age your eyes open up even more to the world and whats going on around you. I dealt with Nightmares that consisted of being dead and seeing your parents and family mourn for you seeing the empty look on your mothers face as she is calling out for her baby, in some way the doctor says im still traumatised and coming to full terms with the near death experience and this is why my nightmares are like this.
There is alot of people out there that have more debt to pay off than me, but the fact of the matter is that i can not put the experience behind me till i pay off the debt which wont be for another year or so and when i can pay the final amount, i can close that chapter of my life and look forward to a lesser stress free life, Im probably stil caught up with anger also with the fact that you really dont know your friends when they leave you crippled in a foreign hospital anf fly home.
Money has too much control over peoples lifes, you can have all the money in the world, but the question is, do you have the heart and strength to go with it too, or have you bought what you think makes your heart beat or have you bought 10men to protect you, people do not realise the power within is the most powerful.
I was lucky that god was at my side the day of the accident.
€4000 is the bill altogether with everything, but a smile on my face is worth a million times more.
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Hi Survivor,

Sheesh, thats a sorry tale mate but thankfully you are alive! The bike was only a thing and the money owed is just that ..................money owed and quite rightly you recognise it that way which is good! I wish you a swift recovery.

You clearly are still traumatised but I am sure you will get better in time.

Smile when you can.
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Believe me i smile and laugh as much as i can as laughter is the best medicine. every minute you are sad you are loosing 60seconds of happiness, and i have lost plenty of minutes crying over the accicident but as you said Thankfully im alive and able to tell my tale. the accident maybe be a bad thing to happen to anyone, but its just a stepping stone for me to become a stronger and ambitious person, when i out this nightmare behind me i know i have dreams of a great further ahead of me. i just really hope there are people out there that will come across this website and read what i say, and stop and think before they do anything stupid, life is for living, if you hire these bikes make sure you are covered for extreme sports activity thats the only way the insurance will pay
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Thinking about this and may I suggest you repost in Complaints. There may be someone who goes in there who may be able to advise. Some do not look in every forum or the heading may not identify a problem.

We must have an HT member with some expertise in insurance.

fwh
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Just back from another nice holiday in Crete :)
Well they're still at it - motorbikes, mopeds and quads
Quads on the public road - I ask you :?:
Glad to report I didn't get on a bike this time.
I used the public buses all the time and they are great.

Patrick
Bumping up this thread so others may read it :wink:
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I am also back from a couple of weeks in Crete and only heard of one accident. A tourist had his head run over by a car as he came off a quad bike. Anybody who hires one of those things really is asking for it. Taxi drivers hate them with a vengeance, and some will make life and driving as hard as possible for the riders. (Not intending to harm, just harass)
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Despite that Parky, there will be a whole group that arrives with each and every flight from now until the end of October, some of whom will have read this forum, but all will know best and I will wager a large percentage will not even have holiday insurance!
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Some of the kids riding the quads looked about 14 or 15 and had little or no road sense, never mind common sense. Malia was manic with the younger end, as has been metioned, and Star Beach was just as bad or even worse at night. Still, not to worry!!

:roll: :roll:
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