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. You also have the option to seek financial recovery through a claim with your auto insurance provider or a personal injury lawsuit. 

You may stand to recover other losses through a claim or lawsuit, such as your lost wages and pain and suffering. 

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. You may also have to meet a deductible before your health insurance kicks in. If your health insurance policy has an out-of-pocket maximum, you may have to cover at least a portion of your medical costs. Refer to your health insurance policy for details about your coverage. 
  • Lost income: Health insurance does not cover lost income from the work you missed while you were recovering from your injuries. 
  • 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. A health insurance policy typically does not cover physical and emotional suffering.

What happens if your car insurance claim or lawsuit is successful?

If another party caused your motorcycle accident and you receive financial recovery through a car insurance claim or lawsuit, 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 argue that it deserves a portion of your recovery from a claim or lawsuit. This is called subrogation.

How a motorcycle accident lawyer from our firm can help

Unlike making a claim with your health insurance provider, making a car insurance claim or taking legal action requires proving liability. A driver may be liable for your injuries if they breached their duty of care and it led to your accident. Our motorcycle accident lawyers can determine if negligence caused or contributed to your injuries.

When we take on your case, we can:

  • 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.
  • Calculate your damages: We want to seek a fair recovery for you, so we will account for both your current and future losses when calculating your damages. We may employ a couple of different methods to calculate non-economic losses, such as pain and suffering. 
  • 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 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 Texas law.
  • Represent you in a trial: If we file a claim with your auto insurance provider or that of a liable party, we will try to secure recovery through negotiation. If we cannot get a fair offer, we will not hesitate to take legal action on your behalf. We can represent you in a trial and argue your case before a judge or jury.  

We offer free case evaluations

If you want to get clear on what your health insurance policy covers and your legal options for recovery, we can offer you a complimentary case evaluation. During a discussion with our team, we can determine whether you have a case and how much you may recover. 

Work with a motorcycle accident attorney from our firm

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

Call for your free case evaluation.