The ambulance company’s insurance should be paying for the ambulance ride and the rest of his medical bills (and the destroyed bike). I could see the ambulance company sending him the bill which he would then forward to the insurance company. In theory they should just pay it, so I’m mostly curious about why it’s going to court; the only reasons I can think of are if they’re trying to say the accident was his fault or because he’s suing for $900k in “pain and suffering” on top of the medical bills and damage to the bike.

The part I’m finding most interesting is he’s also suing his own car insurance for the balance that is not paid by the ambulance company’s insurance under his own car insurance’s uninsured/underinsured driver coverage. Of course that would be an option if he was in his own car in the accident, but I never would’ve considered that applying when his car was not involved in the accident. I feel like I need to look at my own policy to see what exactly that covers, although I’m in a different state so the rules might be different.