Does Health Insurance Cover Motorcycle Accident Injuries? If you’ve recently been injured in a motorcycle accident, you know how costly accidents can be. Not only do you have to pay to repair or replace your damaged bike, but you also need comprehensive medical treatment for your injuries.
If you are like many accident victims, you may be wondering if your health insurance will cover the medical costs associated with your motorcycle accident. Read on for the answer to “Does Health Insurance Cover Motorcycle Accident Injuries?”
Does Health Insurance Cover Motorcycle Accident Injuries?
Health insurance may cover accidental injury, but it depends on your policy. While your health insurance policy is required to pay for your preventive, emergency, and treatment related to illnesses and injuries, many health insurers have policies that treat injuries from car and motorcycle accidents differently. For example, some health insurers classify injuries from auto and motorcycle accidents as secondary coverage and will not cover your medical expenses until the auto insurance limit is reached. Others do not cover motorcycle accidents at all.
There may be other considerations when using your health insurance to cover the treatment of your car or motorcycle accident injuries, such as additional costs or restrictions on using providers in or out of the network or on specific treatments and services.
Health insurers often have a “subrogation clause,” which entitles them to reimbursement from a third party to cover the cost of treating your accident injury. This third party is usually the driver of the vehicle in which you were injured. Most health insurance companies also include a clause that requires you to exhaust the benefits of available auto insurance before using your health insurance.
What Your Health Insurance Can Cover
Health insurance usually covers some costs associated with motorcycle accidents. Depending on your policy, you may be able to receive reimbursement from your health insurance company for:
- X-rays
- Examinations
- Hospital stays
- Prescribed medicines
However, the exact coverage you can expect will depend on your health insurance company and your policy. It is also unlikely that your health insurance will cover all the costs of your accident.
What your health insurance may not cover
While you may be able to get reimbursement from your health insurance company, you may still have to pay some out-of-pocket costs. Here are some costs your health insurance probably won’t cover:
- Copays
- Own risk
- Off label recipes
- New technology
- Lost wages
- Pain and suffering
- Mental anguish
Seeking an insurance benefit from the insurance company can fund these odd costs.
What Insurance Covers Motorcycle Accident Injuries in Maryland?
People have insurance for all kinds of things. Some of the most common insurance policies you have are medical/health insurance that covers treatment and preventive care; homeowners or renters insurance to cover damage to your home, damage to your property, and injuries to you and others in the household; and car insurance to cover injuries you cause behind the wheel in a car or motorcycle accident. In reality, a motorcycle accident can cover any of these policies, but when it comes to covering your injuries efficiently and effectively, often none of them provide adequate coverage.
Medical/Health Insurance
If you are injured or sick and go to the hospital or doctor, your health insurance will cover your care. You may have to pay a deductible for this and you will in any case pay a monthly premium for this care so that you still pay for part of these costs out of pocket. After a motorcycle accident, you will also have to deal with other damage, such as loss of wages due to your injury, damage to your motorcycle, and pain and suffering. Your health insurance does not reimburse this other damage.
Homeowners/Renters Insurance
Likewise, your homeowners or renters insurance may cover some injuries you and your family encounter, including car accidents, depending on the terms of the policy. However, this insurance is not specialized in covering this damage and can only be complementary.
Car Insurance
Finally, Maryland auto insurance is “fault-based” or “at fault,” meaning the at-fault driver’s insurance covers injuries from a crash. If you have auto insurance, it’s meant to cover injuries that you caused in someone else’s accident. If you are the one injured, your insurance will not cover you unless you have added PIP (personal injury protection) or first-party benefits to your policy. Even if you have these benefits, auto insurance coverage only covers a portion of your medical bills and lost wages and doesn’t cover pain and suffering.
Rather than relying on insurance to cover your costs after a serious motorcycle accident in Maryland, it is better to file a Maryland personal injury claim through the courts to get the compensation you need.
Understanding Medical Rights
If you do not have health insurance or if your insurance only covers part of the medical treatment you need after your accident, your doctor may be prepared to provide you with care based on a medical lien.
A medical lien is an agreement to give your health care provider a portion of your motorcycle accident settlement after you receive it in exchange for treating you now. When your provider signs a lien, they agree to provide medical care on credit, knowing they can receive a settlement large enough to pay you in the future.
Signing a medical lien with your health insurance company is an effective way to pay for medical treatments that you may not be able to cover under a limited health insurance plan.
How the team of motorcycle accident lawyers can help?
If your motorcycle accident was caused by the negligence of another driver, such as the other driver ignoring speed limits or other traffic laws, you should not be burdened with the resulting medical bills.
Instead, the guilty driver’s auto insurance company must provide you with a claim payment large enough to cover all of your resulting costs, including your medical treatments. However, because insurance companies make money, they often refuse to provide enough money to accident victims.
Get help from an experienced lawyer
Being seriously injured in a motorcycle accident can be devastating. While health insurance can cover some of your costs, you can face many other financial and non-financial losses. An experienced attorney can review your case and help you understand your options. They can represent you in court, if the insurance company refuses to settle, we will represent you in court and show the judge why the insurer should increase your payment.
Conclusion – Does Health Insurance Cover Motorcycle Accident Injuries?
While the answer to “Does Health Insurance Cover Motorcycle Accident Injuries?” “Yes”, you may not receive all necessary funds from your health care provider. Instead, you may also need to claim compensation from the defaulting driver’s insurance.
