http://www.timmccreadie.com/

The story, video and updates at this link.

Regarding insurance. There are accident policies out there that pay you a set amount of money per day if you are injured. They do not pay hospitals anything and the money you receive goes directly to you. Price varies according to the amount. $300 a day cost you about $25.00 a month. I know a guy in a motorcycle wreck that got paid about $12,000 for 30 days he missed work. Better than nothing at all.