Free Consultation


New Jersey

Will My Health Insurance Cover a Motorcycle Accident?

One of the first questions you will have following a motorcycle accident is who will cover your medical bills. It is possible that the responsible party’s insurance company and your motorcycle insurance company will go back and forth, reducing their liability an in attempt to avoid payment. In the meantime, your medical bills will continue to increase.

Who is responsible for your bills when a motorcycle accident occurs? Does the responsible driver cover your costs? Does your insurance company cover your bills?

Will Health Insurance Cover Your Motorcycle Accident Injuries?

Most insurance policies provide coverage from motorcycle injuries to an extent. But keep in mind, not all health insurance plans are the same. Your policy, deductibles, and other factors will determine how much your insurance company pays. Whether or not your insurance company covers the entirety of your costs will also depend on the severity of the injury.

Health insurance, however, will not cover things like:

  • Lost wages
  • Property damages
  • Temporary transportation
  • Pain and suffering

Working with a New Jersey motorcycle accident attorney can help you understand how your claim will be impacted if you use medical health coverage, as well as how you can recover other damages through a personal injury claim.

Motorcycle Accident Injuries and Medicaid/Medicare Coverage

Your motorcycle collision medical bills may also be covered by other forms of health coverage, like Medicare or Medicaid. However, your healthcare providers may try to get coverage from a future liability settlement. Alternative types of health insurance can complicate things, so it is best to have the assistance of an attorney to understand how a lien could impact your claim and what your options are for collecting compensation.

Understanding How Medical Liens Work

If you experience motorcycle accident injuries caused by someone else, some doctors may agree to give you medical care once they have a medical lien agreement. If that happens, your healthcare provider accepts to receive payment after your claim is settled. Once that happens, they will use a medical lien to recover the total costs of medical care.

Under a medical lien agreement, the cost of healthcare will be taken out of your settlement amount first. Fortunately, New Jersey has limits on the maximum amount of liens that can be collected, so you can still collect compensation that you need to cover other costs.

Covering Medical Bills With No Health Insurance

You might wonder who will cover your medical costs if you don’t have health insurance. This is another unique situation that requires the knowledge of a motorcycle accident lawyer. Get the medical care that you need by discussing your case with a knowledgable lawyer today.

Work With an Experienced Motorcycle Accident Lawyer

Motorcycle injuries require immediate medical attention, so you shouldn’t have to delay care while you worry about how you will cover the costs. Our team of compassionate motorcycle accident lawyers is here to assist you with your case. We will navigate you through the process, while fighting to collect the compensation you need for your medical care.

Contact a Clifton Personal Injury Lawyer to Discuss Your Motorcycle Accident Case in New Jersey

Did you or a loved one sustain injuries due to a motorcycle accident in New Jersey? Don’t let the medical bills pile up while you wait for the negligent party or their insurance company to do the right thing. Right now, you need an aggressive personal injury attorney on your side, fighting to get you the compensation you need, want, and deserve. The skilled attorneys at Andrew Prince Esq. represent clients injured because of a motorcycle accident in Jersey City, Clifton, Camden, Union City, and throughout New Jersey. Call (908) 304-9187 or fill out our online contact form to schedule a free consultation about your case. We have an office conveniently located at 136 Central Avenue, Clark, New Jersey 07066, as well as an office in West New York, NY.

The articles on this blog are for informative purposes only and are no substitute for legal advice or an attorney-client relationship. If you are seeking legal advice, please contact our law firm directly.