Does Health Insurance Cover TX Motorcycle Accident Injuries?

July 31, 2024
Dow Law Firm
motorcycle accident injuries

The cost of being involved in a motorcycle accident can be astronomical. Even a relatively minor motorcycle crash can lead to significant injuries, taking time off of work, and an incredible amount of pain and suffering.

From a financial standpoint, the medical bills associated with a motorcycle crash can vary, ranging from a few thousand to $1 million or more. Even an out-of-pocket cost of just a couple thousand dollars can wreak havoc on your budget, especially if a motorcycle crash has left you unable to work.

As the bills begin to pile up, you may be wondering if you can use insurance benefits for motorcycle collisions. In many cases, the answer is yes. This article outlines several options.

About Health Insurance for Motorcycle Injuries

In an ideal world, you would receive an immediate payment from the at-fault party’s insurance company to pay for your medical expenses as they’re incurred. From a practical standpoint, however, things don’t work this way.

Before you can receive a settlement check or win a lawsuit, several things need to happen first. First, fault has to be determined, and the extent of your physical and financial injuries must be assessed. This process can take weeks or months. In the meantime, your medical bills are mounting.

The good news is that if you have health insurance, you can get the bulk of these fees covered. After your case is resolved, your insurance company can seek payment, or you may be asked to reimburse your insurance company from your settlement.

The following fees may be covered by your insurance:

  • Doctor’s visits
  • Prescription medication
  • Hospital visits
  • Surgery
  • Physical therapy

You may still incur out-of-pocket expenses, including deductibles, co-pays, and treatments that aren’t covered by your insurance.

If you have Medicare or Medicaid, you may be able to avoid out-of-pocket expenses. However, coverage may be limited. Whether you have traditional health insurance, Medicare, or Medicaid, you can most likely rely on these benefits until your case is successfully resolved.

Alternative Options for Medical Coverage for Motorcycle Crashes

Depending on your auto insurance policy, you may elect to use your auto coverage to pay for medical expenses. This can be done in one of two ways:

  • PIP: Short for personal injury protection, PIP is a motorcycle accident insurance coverage add-on that can be used to pay for medical expenses. It can also be extended to cover lost income and other miscellaneous expenses not covered by traditional health insurance.
  • Medical payments coverage: Sometimes referred to as MedPay, this coverage can pay for whatever health insurance pays, including any deductibles and co-pays. It can also apply to passengers, and it can be used even if you are found at fault for a crash.

Paying for Motorcycle Accident Injuries Without Health Insurance

Not having health insurance can make it even more challenging to cover the cost of treatment. In situations like these, you can still get medical treatment, and your motorcycle injury accident attorney can arrange to set up a medical lien. Here, you would get your treatments without any upfront cost, and then you would reimburse your healthcare providers after your personal injury claim is resolved.

Discuss Your Case With an Experienced Legal Team

The relationship between health insurance and motorcycle accidents can get complicated, especially if you have multiple insurance options available to choose from or your injuries require lengthy treatments and rehabilitation periods.

At The Dow Law Firm, we can help you determine an appropriate course of action for motorcycle injury treatment coverage and ensure that your legal rights are protected. To request a free case evaluation, please call (512) 240-9951 or contact us online.