Will My Health Insurance Cover Me In A Motorcycle Accidents?

If you suffered injuries in a motorcycle accident, your health insurance may cover your medical expenses. If you file a motorcycle accident claim and recover damages, your health insurance company may want part of the settlement or judgment to cover its costs.

What Your Health Insurance May Not Cover

Even if your health insurance policy covers your medical costs after your motorcycle accident, you may still need to pay the following:

  • Co-pays and deductible: Your health insurance policy may require you to pay co-pays. And you may have to meet a deductible before your health insurance kicks in. Your health insurance policy may even have an out-of-pocket maximum, up to which you may have to cover at least a portion of your medical costs. Refer to your health insurance policy for details about what your policy covers.
  • Lost income: The health insurance company typically does not cover lost income from your injury.
  • Non-medical costs: In addition to medical expenses, you may incur additional costs, such as motorcycle repairs, transportation expenses, and more.
  • Physical and emotional suffering: The trauma of a motorcycle accident may cause physical and emotional turmoil. Your health insurance company typically does not cover physical and emotional suffering.

Subrogation & Your Health Insurance Company

If another party caused your motorcycle accident and you get a recovery from that party, your health insurance company may seek reimbursement for the costs it incurred to pay your medical bills.

In other words, the health insurance company may try to get a portion of your settlement or judgment. This is called subrogation.

How a Motorcycle Accident Lawyer May Be Able To Help

If we represent you in your motorcycle accident case, we may be able to help you with the following:

  • Investigate the accident: We may retrieve the police report, hire an accident reconstruction expert, evaluate photographs of the scene, and contact eyewitnesses to build your case.
  • Work with the insurance company: If we represent you, we can communicate directly with the insurance company on your behalf. We can help you pursue a recovery and manage any subrogation or other legal issues that arise.
  • Protect your rights: If you work with a lawyer at D. Miller & Associates, PLLC, we can make sure the insurance companies respect your rights per the terms of the insurance policy and under Texas law.

Schedule a Case Evaluation with a Motorcycle Accident Attorney

If you were injured in a motorcycle accident, D. Miller & Associates, PLLC may be able to help you pursue a fair recovery and address any issues of subrogation from a health insurance company or another party.

For a case evaluation, call us at 713-850-8600. If you suffered injuries in a motorcycle accident, your health insurance may cover your medical expenses. If you file a motorcycle accident claim and recover damages, your health insurance company may want part of the settlement or judgment to cover its costs.

What Your Health Insurance May Not Cover

Even if your health insurance policy covers your medical costs after your motorcycle accident, you may still need to pay the following:

  • Co-pays and deductible: Your health insurance policy may require you to pay co-pays. And you may have to meet a deductible before your health insurance kicks in. Your health insurance policy may even have an out-of-pocket maximum, up to which you may have to cover at least a portion of your medical costs. Refer to your health insurance policy for details about what your policy covers.
  • Lost income: The health insurance company typically does not cover lost income from your injury.
  • Non-medical costs: In addition to medical expenses, you may incur additional costs, such as motorcycle repairs, transportation expenses, and more.
  • Physical and emotional suffering: The trauma of a motorcycle accident may cause physical and emotional turmoil. Your health insurance company typically does not cover physical and emotional suffering.

Subrogation & Your Health Insurance Company

If another party caused your motorcycle accident and you get a recovery from that party, your health insurance company may seek reimbursement for the costs it incurred to pay your medical bills.

In other words, the health insurance company may try to get a portion of your settlement or judgment. This is called subrogation.

How a Motorcycle Accident Lawyer May Be Able To Help

If we represent you in your motorcycle accident case, we may be able to help you with the following:

  • Investigate the accident: We may retrieve the police report, hire an accident reconstruction expert, evaluate photographs of the scene, and contact eyewitnesses to build your case.
  • Work with the insurance company: If we represent you, we can communicate directly with the insurance company on your behalf. We can help you pursue a recovery and manage any subrogation or other legal issues that arise.
  • Protect your rights: If you work with a lawyer at D. Miller & Associates, PLLC, we can make sure the insurance companies respect your rights per the terms of the insurance policy and under Texas law.

Schedule a Case Evaluation with a Motorcycle Accident Attorney

If you were injured in a motorcycle accident, D. Miller & Associates, PLLC may be able to help you pursue a fair recovery and address any issues of subrogation from a health insurance company or another party.

For a case evaluation, call us at 713-850-8600.