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(757) 333-3333
Having health insurance is crucial to getting proper care after a motorcycle wreck. Many healthcare providers charge high fees because of the specialized nature of their care. If an injured motorcyclist does not have health insurance, bills will pile up and remain unpaid while the claim is pending.
The most important thing to do after a crash is to seek medical attention and follow the doctor’s instructions. Your next step should be to contact a knowledgeable personal injury attorney to discuss a claim for compensation. At Cooper Hurley Injury Lawyers, we can answer your questions about health insurance for Hampton motorcycle accidents and help you get the resources you need.
When a motorcyclist is injured in an accident, our lawyers recommend that they run any medical treatment through their health insurance. You never want to withhold your health insurance card because “the other’s person’s insurance will take care of things.” This can create problems down the road, as the car insurance company will not pay bills as they come in. Additionally, you will not get the benefit of your health insurance discounts, which will become apparent when the case is settling or close to settling. It is important to remember to always use your own health insurance if possible.
An injured motorcyclist will still receive the treatment they need at a hospital after a crash. However, that person will be on the hook for the bill and may have trouble getting the follow-up care they need. It might be difficult to find specialists willing to see them without upfront payment if they do not have insurance.
If a person has health insurance, it will provide coverage for the treatment. The injured person might be responsible for co-pays or small out-of-pocket deductibles, similar to other visits to doctors or medical experts. If a motorcyclist is involved in a crash with an uninsured driver, they will still be covered up to their policy limit if they have their own insurance.
Some types of health insurance plans are entitled to get reimbursed if there is a recovery for the money spent treating the injuries. For instance, suppose a motorcyclist requires surgery and has a health insurance plan entitled to reimbursement. The health insurance company might pay for the surgery, but when the insurance claims resolve, the health insurance company will be entitled to reimbursement for what it paid.
This is not always a bad situation. Often, the medical bills are much higher than what the insurance company pays because the insurance company will have contracted discounts. That means that that claimed medical bill in court will be higher than the health insurance company’s reimbursement rate. Our seasoned Hampton motorcycle attorneys often see this with injured motorcyclists insured through Medicare or Medicaid.
It can be challenging to navigate the health insurance system after a wreck, especially while recovering from severe injuries. Let a dedicated Hampton personal injury attorney ease the process and answer any questions you may have.
The legal team at Cooper Hurley Injury Lawyers could help you understand your health insurance for Hampton motorcycle accidents and assist with recovering the compensation you deserve. Contact us today for a free consultation.
Call (757) 333-3333 to request a free consultation
