Will Health Insurance Cover My Motorcycle Accident Injuries?

Motorcycle accident injuries are usually severe, so it’s not uncommon for an injured party to require coverage of his or her medical expenses from multiple sources, including insurance policies. Fortunately, besides being covered by health insurance, and MedPay, some motorcycle accident victims may also be able to cover a portion of their losses from the at-fault party by filing a personal injury claim in court.

What PIP Insurance Doesn’t Cover 

PIP insurance usually covers 80 percent of an accident victim’s medical expenses and lost wages up to a $10,000 limit. Unfortunately, PIP insurance only covers those who are involved in auto accidents, which means that motorcycle accident victims won’t receive immediate coverage of their emergency treatment from a PIP insurer.

What Health Insurance Covers

 After sustaining a serious injury in a motorcycle accident, a claimant will need to seek partial coverage of his or her medical expenses through a health insurance provider, which should help pay for hospital stays, medications, rehabilitation, and ongoing care. It’s important to keep in mind, however, that before a health insurance provider will start covering these costs, a policyholder will need to pay deductibles and copays, the amount of which will vary based on the policy in question. There may also be limits on a person’s coverage, in which case, an injured party could end up on the hook for these unexpected costs. Health insurance also won’t cover specific losses, including lost wages, pain and suffering, and vehicle repair costs.

Medical Payment Coverage 

Besides health insurance, motorcycle accident victims can seek compensation for their collision-related medical bills by filing a claim with their “MedPay” or medical payment coverage provider. These policies work like PIP insurance, which means that they will cover medical bills up to the policy limits, regardless of who was at fault for the accident. Unfortunately, medical payment coverage is optional in Florida, which means that some motorcycle accident victims may not have access to it.

Filing a Personal Injury claim

 Motorcycle accident injuries are almost always severe, which means that victims are often left on the hook for a portion of their losses. In these cases, it may be necessary to file a civil lawsuit against the party responsible for the crash. Those who are able to successfully prove that someone else’s negligence caused or contributed to their motorcycle accident could be entitled to compensation not only for their medical bills, but also for their lost wages, vehicle repair costs, and pain and suffering.

Call an Experienced Motorcycle Accident Lawyer

 If you were involved in a motorcycle accident, you may be struggling with mounting medical debt in addition to your serious injuries. Fortunately, you may not end up being responsible for all of these bills on your own, but can seek compensation from insurers and even the at-fault party who caused your crash. For an evaluation of your own legal options, please reach out to the experienced Florida motorcycle accident attorneys at Boone & Davis by calling 954-566-9919 today.

Sources:

 wallethub.com/answers/ci/medical-payments-coverage-florida-1000164-2140762782/

natlawreview.com/article/does-health-insurance-cover-motorcycle-accident-injuries