If you were recently injured in a motorcycle accident, you know how expensive accidents can be. Not only do you need to pay to repair or replace your damaged bike, but you may also need to receive extensive medical treatment for your injuries.
If you’re like many accident victims, you may be wondering whether your health insurance will cover medical expenses related to your motorcycle crash. Read on to learn the answer to, “Does health insurance cover motorcycle accident injuries?”
What Your Health Insurance May Cover
Health insurance typically covers some expenses related to injuries from motorcycle accidents. Depending on your policy, you may be able to receive reimbursement from your health insurance provider for:
- Hospital stays
- Prescription medications
However, the exact coverage you can expect depends on your health insurance provider and your policy. It is also unlikely that your health insurance would cover all of the expenses resulting from your crash.
What Your Health Insurance May Not Cover
While you may be able to receive some reimbursement from your health insurance provider, you probably will still need to pay some expenses out of pocket. Here are a few costs that your medical insurance probably will not cover:
- Off-label prescriptions
- New technologies
- Lost wages
- Pain and suffering
- Mental anguish
Seeking an insurance payout from the insurance company can provide funds for these extraneous expenses.
Understanding Medical Liens
If you do not have health insurance or your insurance only covers some of the medical treatments you need after your accident, your doctor may be willing to provide care under a medical lien agreement.
A medical lien is an agreement to give your healthcare provider a portion of your motorcycle accident settlement after you receive it in exchange for treating you now. Basically, when your provider signs a lien, they agree to provide healthcare on credit, knowing that you may receive an extensive enough settlement to pay them back down the line.
Signing a medical lien with your healthcare provider is an effective way to afford the medical treatments you may not be able to cover with a limited health insurance plan.
How Our Motorcycle Accident Attorney Team Can Help
If your motorcycle accident occurred due to another driver’s negligence — such as the other driver disobeying speed limits or other traffic laws — you shouldn’t need to feel burdened by the resulting medical expenses.
Instead, the at-fault driver’s auto insurance company should provide you with a large enough claim payment to cover all of your resulting expenses, including your medical treatments. However, because insurance companies are in the business of making money, they often refuse to provide adequate funds to accident victims.
At Law Tigers Motorcycle Lawyers, we have years of experience helping motorcycle accident victims like you receive adequate compensation for their injuries and other damages. When you work with our team, we can provide the following essential services:
- Gather evidence to support your claim: If the insurance company refuses to increase your payout, they may need more proof of your expenses and the at-fault driver’s role in the accident. We can help you gather evidence to support your accident claim and increase your payout.
- Communicate and negotiate with the at-fault driver’s insurance: We’ll also handle all of the communications with the insurance company for you, allowing you to get back to recovering from your injuries. Our legal experience enables us to negotiate confidently on our clients’ behalf.
- Represent you in court: If the insurance company refuses to settle, we’ll represent you in court and show the judge why the insurer should increase your payout.
While the answer to, “Does health insurance cover motorcycle accident injuries?” is “Yes,” you may not receive all of the necessary funds from your health insurance provider. Instead, you may also need to seek compensation from the at-fault driver’s insurance.
For more information about our motorcycle accident legal services, contact our Law Tigers team today at 1-888-863-7216.