Does Health Insurance Cover Motorcycle Accident Injuries?

Some health insurance does cover motorcycle accident injuries, but it depends on your policy and the type and degree of treatment that care for your injuries will require. If someone else’s negligence caused your accident, you have the right to seek damages from their insurance company, regardless of what your own policy does or does not cover. A Long Island motorcycle accident lawyer will review your options with you.

What Will Your Health Insurance Cover After a Motorcycle Accident?

Health insurance policies vary widely. Depending on what type of policy you have and what the policy limits are, your health insurance might cover some, all, or none of the following treatments for motorcycle accident injuries:

• Ambulance rides
• Diagnostic tests
• Hospital stays
• Surgical procedures
• Follow-up appointments
• Appointments with specialists
• Assistive devices
• Medication
• Physical therapy and rehabilitation
• Home nursing care

Health insurance policies are often complex and even confusing. For example, you might not be able to start receiving benefits until after paying a certain amount out of pocket. The insurer might also try to deny, delay, or cut your benefits in a variety of ways. The exact wording of your insurance policy and of your claim is very important.

What Types of Motorcycle Accident Injuries Does Health Insurance Cover?

Again, specifics vary from policy to policy. You could potentially file a claim based on many common accident injuries, including back and spinal cord injuries, concussions and other brain injuries, bone fractures, nerve and muscle damage, and burn injuries. To find out if your health insurance will cover you after the accident, start by reviewing your policy. If you have trouble understanding any part of it, consider consulting with our personal injury lawyers or with the insurance company. You could also reach out if you file a claim that ends up being denied.

For a free legal consultation, call (516) 932-0400

What if Your Health Insurance Denies Your Motorcycle Accident Claim?

Your first step should be to figure out why the claim was denied. Some reasons for a denial, such as forgetting to include essential paperwork, are relatively easy to address. Others, like if the insurer does not believe your injuries are covered by their policy, are much more frustrating to deal with. Your lawyer will work with you to determine the reason for the denial and decide what you should do about it. In some cases, it might be worth going back and forth with the health insurance company and pushing them to approve your claim. For other accident victims, their time might be better spent filing a personal injury claim instead of or in addition to pursuing a health insurance claim.

Will You Have to Stop Treatment After a Health Insurance Denial?

Not if you take action to prevent this from happening. Medical providers are sometimes willing to wait until you have completed a legal action to get paid for their services. Your attorney will explain the situation to them and work on reaching a deal that benefits both parties. You do not want to abruptly stop treatment while your claim is in process, so it is a good idea to consult with our legal team about your options as soon as possible.

How to Seek Compensation for Losses Not Covered by Health Insurance

Accident victims who sustain serious injuries have the right to take legal action against the negligent party who caused their accident. This party is often a driver, but it could also be a vehicle manufacturer, mechanic, or someone else. Once your personal injury attorney has identified the at-fault parties, we will determine whether you should file a claim, a lawsuit, or both. Either way, this will require collecting evidence, contacting the liable party’s insurer, and fighting for an appropriate financial award.

What Types of Damages Will You Get From a Motorcycle Accident Claim?

Through a claim or lawsuit, you could recover enough money to cover all medical bills. Your medical providers would directly receive whatever they are currently owed through your settlement or verdict, and you would also receive enough money to cover the estimated cost of all necessary future treatments. Your legal action could also entitle you to a much greater variety of damages than are available through your health insurance. Some, but not all, of the types of damages you could be eligible for are listed below:

• Pain and suffering caused by your physical injuries
• Diminished quality of life, as exemplified by a loss of independence or an inability to participate in enjoyable hobbies or activities
• Damage to your motorcycle or other valuable personal items
• Loss of income, job benefits, employment, or earning capacity

Click to contact our personal injury lawyers today

How Much Will Your Motorcycle Accident Settlement Be?

The amount you receive should accurately reflect all past, present, and likely future losses. Whether filing a claim with your health insurance company or with the negligent party’s liability insurance, asking for an appropriate amount is a good way to avoid delays and keep your case moving smoothly. Your motorcycle injury lawyer will collect evidence to build a strong casefile that proves your need for damages. By contacting a motorcycle injury lawyer as soon as possible, you give our firm the maximum amount of time to strengthen your case and fight for the money you need—not just for current medical costs, but for all of the losses you have experienced and will experience over your lifetime.

Complete a Free Case Evaluation form now

Get Complete Compensation for Your Motorcycle Accident Injuries

You deserve certainty and security after a personal injury, so do not leave anything up to chance. Call Friedman & Simon, L.L.P., today for a free consultation. We are ready to assist you by going over your policy to determine if your health insurance will cover your motorcycle accident injuries. We will also explore other possible ways of seeking damages.

Call or text (516) 932-0400 or complete a Free Case Evaluation form