Does Health Insurance Cover Motorcycle Accident Injuries?

February 25, 2021 | By Riddle & Brantley Accident Injury Lawyers
Does Health Insurance Cover Motorcycle Accident Injuries?

If you sustain bodily injuries in a motorcycle accident, your health insurance should cover at least some of the cost of your medical care. However, if it is ultimately proven that another party was negligent in causing the crash — and that therefore they and THEIR insurance company are legally on the hook for your damages — you may be required to reimburse your own insurance company for the funds they provided.

Does Health Insurance Cover Motorcycle Accident Injuries - Riddle & Brantley

In cases like these where another party's negligence was to blame for your injuries, it may be possible to recover financial compensation for medical costs from the insurance company for the at-fault party in the crash, or to sue the at-fault party directly for damages beyond those covered by insurance. These damages may include not only medical expenses but lost wages, lost capacity to earn a living, pain and suffering, loss of quality of life, and more.

If you’ve been injured in a motorcycle accident, don’t wait — the longer you wait to talk with a North Carolina motorcycle accident lawyer, the harder it may be to win your case and get you the compensation you need and deserve.

Navigating multiple insurance claims in the wake of a serious motorcycle accident can be complex and exhausting, especially when you are already dealing with a severe injury. The good news is that you don’t have to do it alone. The experienced NC motorcycle accident attorneys at Riddle & Brantley are here to sort it all out, handle the paperwork for you, and fight to get every dime of financial compensation that you are rightfully owed.

If you have suffered injuries in a motorcycle accident, call 1-800-525-7111 for a free, no-obligation consultation right away.

There are no attorney fees unless we win your case and you receive compensation. Call 1-800-525-7111 today and let’s review your claim.

The Value of Filing an Insurance Claim After a Motorcycle Accident

For many people, the first thought after an accident is to pursue a claim against the at-fault driver’s liability insurance. While this is an important step, it is likely not the fastest way to have your medical bills paid for. Remember, the other driver’s insurance company might ultimately be required to pay your medical bills, but that process could draw on for weeks, months, or even years.

File a Claim with Your Insurance Company, Even if You Were Not at Fault

Your own health insurance, on the other hand, is likely to pay for your medical bills right away. This is generally true whether you rely on an employer-sponsored healthcare plan or receive coverage through some form of government program like Medicare or Medicaid.

Subrogation and Liens in Motorcycle Accident Claims

Medical Liens and Subrogation in Motorcycle Accident Cases - Riddle & Brantley

While having these bills paid by your medical insurance policy is helpful in the short-term, it may add some challenges down the line. Your health insurance company has the right to seek reimbursement if you ultimately pursue a legal claim against the at-fault driver that caused your motorcycle accident.

When your health insurance provider pays for your medical bills, they will place a medical lien against you. This lien notifies you that they maintain a right to reimbursement should you ever recover compensation for your injuries. You will not be able to resolve your personal injury lawsuit without dealing with your medical liens at the same time.

There are several limitations on an insurance company’s right to seek reimbursement of benefits (also called “subrogation”) under state law. However, there are also exceptions that could allow for your insurance company to seek some or all of the settlement proceeds following an accident.

You have nothing to lose by contacting a motorcycle accident attorney at Riddle & Brantley for a thorough understanding of your rights in this situation. The consultation is always free, and you won’t pay any attorney fees unless we secure compensation for you.

Call 1-800-525-7111 today and let our experienced attorneys help you.

Other Payment Options

Your own health insurance is not the only way you can have your medical bills paid after a motorcycle accident. In many cases, the liability insurance of the other driver could ultimately be responsible for your bills. If that driver does not have insurance, your own uninsured motorist coverage could also provide the benefits you need to be made whole.

Another option for reimbursement is a personal injury lawsuit against the at-fault party. Even if that individual does not have insurance, you could seek to leverage other assets from the defendant in an effort to cover your medical expenses.

$1,000,000 Motorcycle Accident Settlement

Riddle & Brantley recently obtained $1,000,000 in compensation on behalf of our motorcyclist client who was injured because of another driver’s negligence. Our client required multiple surgeries on the left arm and rotator cuff after being thrown off a bike fifteen feet in a collision with another vehicle. The settlement maxed out the at-fault party’s insurance policy (see disclaimer below).

How Can an Injury Lawyer Help?

If you suffered injuries in a motorcycle accident in North Carolina, call 1-800-525-7111 to schedule your free, no-obligation consultation. One of our personal injury lawyers can discuss the details of your case and target all potential sources of compensation. We work on a contingency basis, meaning you will never owe us any attorney fees unless we recover compensation on your behalf.

"Riddle & Brantley found me all the available money from the insurance companies."

–David Howard

Justice Counts for motorcyclists.

* Disclaimer: The results mentioned are intended to illustrate the type of cases handled by the firm. These results do not guarantee a similar outcome, and they should not be construed to constitute a promise or guarantee of a particular result in any particular case. Every case is different, and the outcome of any case depends upon a variety of factors unique to that case.