We had a motorcycle crash back in 2001 in Manitoba whereas my DW spent 17 days in the hospital 12 of which in ICU. Bill came to just under $11000 total except for the ambulance @$500 each. I rode with DW, but two separate charges. Tri-Care paid all. She suffered six shattered ribs and left collar bone while I escaped with a destroyed right rotator cuff. Freak gust of wind blew us into the woods. I wasn't speeding, but 55mph in a 65zone. Had 10K passenger insurance, but Nat'l General (GMAC) refused to pay it. Spouses rode with no coverage. Never told that while paying the rate for over 12 years.