Motorcycle accident injuries can be quite severe, potentially leaving the rider needing medical care for weeks or months. If the motorcycle accident was someone else’s fault, you may have the right to file a motorcycle accident lawsuit.
Because these lawsuits and accident claims can take a long time to settle, you may see your medical bill balances steadily increase. Will your health insurance cover your costs until you can settle? The specific rules in your health insurance policy will determine what it covers and what expenses may continue to accumulate.
What Your Health Insurance May Cover
After a motorcycle injury, you might need emergency medical care, or you may need to visit your primary physician. When you have motorcycle accident injuries, your insurance policy may cover things like:
- Medical examinations and tests
- Surgeries and other emergency care actions
- Ongoing care treatments
- Hospital stays during a recovery
- Physical therapy appointments
- In-home health care
Whether your insurance covers these items depends on the parameters of your policy. For example, if you see an out-of-network doctor, you may have extra expenses that health insurance won’t cover. You might have to make a co-pay each time you visit a doctor, too.
Some policies may partially cover the cost of prescription drugs.
Items Your Health Insurance May Not Cover
Health insurance policies will exclude many costs related to motorcycle accident injuries.
- The majority of health insurance policies have a deductible, so you may have significant out-of-pocket expenses before the insurance coverage makes any payments.
- You likely won’t receive payment for the costs of traveling to doctor’s appointments.
- If you cannot work during your recovery, health insurance will not reimburse you for lost wages.
- Health insurance doesn’t give you money for pain and suffering or for any disabling injuries you sustain in a motorcycle crash.
To seek full payment for these types of items, you’ll want to consider filing a motorcycle accident injury lawsuit against the at-fault driver. Maximizing your personal injury settlement could give you a pain and suffering award and reimburse you for missed wages at work.
How Health Insurance Works With a Motorcycle Injury Lawsuit
If you file an injury lawsuit, you may have to wait a few months or years to reach a conclusion and receive a potential payment. Ideally, your health insurance would pay for your motorcycle accident injuries and medical bills until you receive a financial award. You might have to reimburse the health insurer after you win the award, though.
Another source of money for paying medical bills while you wait for a lawsuit to conclude is the liability insurance you must carry to operate a motorcycle. According to the Indiana Bureau of Motor Vehicles, this policy provides up to $25,000 in injury coverage. Again, you may have to reimburse this policy after receiving your financial award.
Sometimes, your health insurance or liability insurance policies will resist paying your medical expenses while your injury lawsuit is ongoing. If so, your motorcycle accident lawyers may be able to help by explaining what is happening to the insurer.
Additionally, your attorneys may be able to speak with your doctors or the hospital to encourage them to work with you on billing until the injury lawsuit concludes.
Let Our Motorcycle Injury Accident Lawyers Advise You
Motorcycle accident injuries can leave you missing work and needing ongoing medical coverage. If you are struggling to figure out whether you should speak with a personal injury lawyer about seeking a settlement, Tabor Law Firm is ready to help. We offer a free consultation to discuss your case and offer advice.
Call us today at 317-236-9000 or contact us online for your free case review.
