A Letter to Allstate

Hello XXXXX,

As you move towards the review of my claim before making your settlement offer, I'd like to tell you a few details in the hope that you will be taking this into consideration.

While we determined earlier this month that I was returned to pre injury status, I have to say, that while I am ready to settle, that is in no way true. My pre-injury status was that of a strong, fast cyclist. A cyclist for whom a 60 mile ride was an easy afternoon spin. A cyclist whose 2005 event completion included two double centuries (200 miles in a day) and ten centuries (100 miles in a day). In addition, I went on a four day, five hundred mile cycling vacation in 2005. I had planned to race in the 2006 cycling season.

All of that changed on April 5, 2006 when XXXXX XXXXXX struck my car during rush hour traffic on the 580 freeway. When Mr. XXXXX slammed into me from the side, it impacted both my neck and low back. My head snapped to the side. My pelvis was also thrown to one side. I experienced shooting pains up my spine and went to the Emergency Room at Kaiser after the accident.

While Allstate might claim I suffered "only soft tissue injuries", it was to the extent that I spent several months in pain, requiring medications such as muscle relaxants to cope with the spasms and prescription strength ibuprofin and vicodin to manage the pain. As late as November, I was still requiring muscle relaxants. I am not someone who like to ingest medications of any kind.

I lost my entire 2006 cycling year from that point on. What was my biggest passion and brought me so much joy now brought me to tears, from both pain and frustration. I could no longer ride with my friends, so my social life suffered. I could no longer get the exercise I was used to, so my overall health and mental health suffered. Ask any athlete who cannot exercise at their level and they will tell you it takes quite a toll on you mentally. I couldn't race. I could barely ride. The seven day 600 mile cycling vacation I had hope to go on with my friends, instead I spent trying to recover from these injuries. I missed the 2006 Death Ride, for which I'd already paid $89 and made the lottery cut to get in.

A few weeks after the accident, I had to buy a new bed. I had been borrowing a bed from a friend, and suddenly even sleeping caused me pain. For months, sleeping in a bed that wasn't mine caused me pain and stiffness. This wasn't how I've ever lived. I continued to have disruptions in my sleep due to pain well into early December.

I've begun riding again, starting small and trying to rebuild my cycling endurance level. Yesterday I was in tears on a ride. I was riding alone, because all my elite athlete friends have pronounced me too slow to ride with. I was going up a hill and I was feeling sore in my low back, specifically the quadratus lumborum. Before the accident, I was a very strong hill climber, nicknamed the "Ponytail Express". Here I was going up a hill at 3.5 mph. This was a hill I had easily taken at 12 mph before the accident. While I was grateful to be alive and on my bike, this was not my pre-injury status.

It occurred to me then that the 2007 cycling season will essentially be lost, too. It will not be about riding with my friends, it will be about rehabbing alone and gradually working to build my strength to get back to where I was before Mr. XXXXXX was reckless enough to hit me while uninsured.

I was invited to be a cycling mentor for the 2007 Team in Training group for this year's Death Ride. As much as I would have loved to support a team raising funds for leukemia (as I did in 2005), I knew I was not strong enough to be a cycling mentor. It was with great sadness that I declined. There's no way I'll be able to ride the Death Ride in 2007.

In addition to the loss of my greatest joy in life, there have been other repercussions from the accident. I experience stress and anxiety now when driving on the freeway. I am particularly stressed and anxious when I am a passenger in a car. My boyfriend has had to endure my panicky outbursts when he's safely driving for months now. This still continues.

While I am not claiming a loss due to work pay, I did suffer a loss. All these medical appointments caused me to miss work. As an freelance photo producer, I work on-site in ad agencies on an hourly pay basis. I am not contracted for a specific amount of money, but rather to produce a job. I did lose hours of work. But I know this is hard to track given the uniqueness of my employment, which is why I am not seeking lost wages. I was very fortunate enough to be working at a company who my boss was a work friend and she understood what I was going through and was gracious about my missing hours in the office.

I have spent over $7000 in medical treatments and expenses. I was reimbursed for the first two thousand. I am sure you can understand the loss of five thousand dollars from one's bank account being a hardship. Even though I am considered returned to pre-injury status, I am truly not there yet, if you take into account that I was an elite athlete. This year will involve added expenses of working with a coach and a trainer to try to regain my athletic abilities to where they were before the accident. While I understand Allstate won't be paying for this, I would like it if this were considered just for a moment in the claim. It's not going to be an easy year to truly return to pre-injury status.

Can you imagine how you would feel if the activity outside of work that brought you the most joy was suddenly taken away from you and only caused pain? I understand it is your job to bring a claim to closure quickly and for the lowest amount possible. So while you do your job, please consider the human element of what the past eight months have held for me.
I may be able to live life like a normal sedentary person, but I am not anywhere near the level of my pre-injury fitness, mobility, and capacity as an athlete.

For years I have had Allstate Insurance, all the while believing the marketing slogan, "Allstate. You're in good hands." Am I in good hands? I would like to believe that Allstate will settle in good faith and offer a fair and reasonable settlement.

I look forward to hearing from you next week.

Jen

Happy Crasher

Happy Crasher
Originally uploaded by jenworth.

I love snowboarding!

Just spent the weekend up at Kirkwood. No new snow, but it was still fun. Saturday I had a really good day. No falls. Didn't even wipe out getting off the lift. It felt really good.

Sunday morning we woke up to howling winds. We suspected the mountain might be closed, and we weren't wrong. Three lifts were open, mostly really easy stuff. So after dawdling, we went out for a couple hours. I don't know what changed from the day before, but I was a mess. Thankfully it was a brief day! I lacked confidence, which kept me from catching my heel edge easily. I don't know what was up. It got a tiny bit better, but riding wasn't fluid like it was on Saturday. We rode until the end of the day, and then made a really yummy dinner of roasted stuffed squash.

We were lucky to have stayed right on the mountain (luck costs bucks, in this case) and we rode again on Monday. Once again, it felt great. I really enjoyed the bluebird day. Not crowded or cold. Just a really fun day, even if I did crash more than Saturday.

Snowboarding is F U N ! ! !

Back in the Saddle

I'm back!

Two weeks ago, my chiropractor and I proclaimed me restored to "pre-injury status". This means I am finally done treating from the car accident I was in back in April 2006. I walked away from that accident, but the accident changed the rest of 2006. I could no longer do what I loved and with the people I call my friends.

Cycling sends me over the moon. I can't express how it scrubs clear the cobwebs in my brain.

But all of December I'd been hemming and hawing about getting back on the bike, even though I wasn't working. I was telling myself, "It's no fun to ride alone".

Bullshit!

Yesterday, one of my favorite people gave me back cycling. Marty said, "wanna ride soon?" in an email. We were out there yesterday afternoon, in the freezing cold at 4pm for a quick spin. I've certainly lost some power and strength, but not the joy of being on the bike. That is, so long as I lose the ego, and not think of what level of riding I was at during the 2005 season.
It wasn't an earth shattering ride; it was only an hour long. But it showed me that my legs were still strong, just not what they were. Thanks to the performance indoor cycling program (we can't call ourselves Spin, because we don't license from Johnny G) at Berkeley Ironworks, I've been able to maintain cardio and some strength.

So today, I went riding again. Alone. Riding alone is fun, because cycling is fun. It was freezing out, and I had to go to REI to get a skull cap and a proper cycling windbreaker. (Thankful once again, I am an employee of the REI Outdoor School and entitled to that employee discount!)

Another "quick ride". See, for me, anything less than 30 miles was not worth breaking out the bike. I have to lose that thinking, and appreciate the sheer joy of being in the saddle. Climbing hills on a bike has always been a favorite part of cycling, and I still love it.

So, while I get back into cycling shape and my 2007 cycling season evolves, I'll try to keep cycling related blather over here . It could get tedious, I'll warn you. I may use that blog to document my training progress in only a way I care to follow. Who knows. Who knows what this season will bring. But it's nice to be back.

Have you been to Meez?

What a fun little timesuck!

La di da.

Total Cuteness
Originally uploaded by jenworth.

I have not worked since Thanksgiving.

Clearly, I need to get out more, because I am talking to the cats.

That is all.

Another cat. What the hell?

Another cat. What the hell?
Originally uploaded by jenworth.

I'm starting to scare even myself. Am I destined to be a crazy cat lady? I swear I won't get one of those funky smelling apartments where it's obvious that there are cats due to catstench.

suggested names for this little guy are welcomed!

his foster mom named him picasso. no way.

he looks like ink was thrown on him; you have to see his crazy markings.

named bandied about:

splat: looks like he was splattered with ink
jack: he looks like a jackson pollock painting

he's so contrasty compared to the creamy orange Hippo.

Shallow Me

Apparently, I am shallow. And I like it.

I am a magazine junkie. I'll read nearly any magazine, and usually even have a subscription to a handful of different magazines. If P didn't mock Oprah as hard as he does, I'll probably even have a sub to "O", even though she's such an egomanic that she's on the cover every month.

Anyway.

Have you ever given magazines' purpose any thought? I mean, besides to sell ads, although this fits in nicely with my theory. Magazines exist to tell you about your imperfections. How to camoflage those 10 pounds. How to be more thoughtful. Stronger. Better looking, through make-up and fashion, of course. How to get rid of the gut, have a nicer house, get a better car, trick out your motorcycle, and overall, how to overhaul your sad-sack of a life. And if you want to avoid recognizing your pathetic life, you can drown yourself in celebrity tabloids. Now, those people are fucked. Even if they are rich!

Oh, and those ads? They're there to help you understand which products you'll need for your self-improvement project.

So magazines are essentially there to point out our flaws (and improve them) and to sell products.

Why do I love magazines so? A lot of them are ALL ads (hello, Vogue!). A lot have bad photography. But they're like little snippets into a culture. They're aspirational (hello, marketing buzzword!). They are a timesuck. Okay, there's my excuse and I'm sticking to it.

Plus they are a waste of paper. Few use eco-friendly inks. I gotta get over this magazine thing.

Also, I heard on the radio yesterday an interview with some gal who wrote a book about current trends. Can't recall the title, only that she works at J Walter Thompson. She was speaking about how we're all feeling an emotional void which is why we try to fill it up with products.

But it was her comments about the superficiality of our relationships that stuck with me. She said we'd rather have 14 "lite" friends of a superficial nature with whom we can have small talk. Those people make us feel good and we can interact with them in brief spurts. She claims we, as a society, prefer that to having a small group of truly deep friendships, the kind of friends we can spend two hours talking to. She asserts it's because we don't have or make time, so we squeeze our friendships in wherever we have a moment in the cracks of our lives.

She may be right. I notice this myself. I have many "friends". How many of these "friends" do I get together with on a regular basis and gift them with my time and attention. Very few, but they're also not seeking it out because we all have busy lives and they, too, seemingly prefer the kind of quick interactions that friendship seems to be about these days. I have few friends that I get together with or have long, meaningful conversations. I cherish each of these people and times we get together. But there are people with whom I'd like to spend more time....I just don't "have" the time. That's bullshit, though.

One revelation I had years ago was this: for those who don't have enough time, they need to remember it's about choices. We all have the same 24 hours in a day. No one gets any more or any less. We all choose how we spend those 24 hours. So when you don't "have" time to spend with friends, or to go to the gym or whatever, it's because it's not a priority enough to make time for it.

Which leads me back to feeling shallow and selfish because there are people I truly want to connect with and somehow haven't made the time to do so.