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Your Health Insurance May Not Pay for Medical Care in Motorcycle Accidents

Check your health insurance policy language to make sure it covers you if you are injured in a motorcycle accident. Every day I see new clients who have been injured by a careless driver and I have to explain that they do not have the proper insurance to cover their medical bills.

These are people like you who honestly believe they have proper medical insurance. All too often they do not have any coverage or only have minimal insurance. There is no such thing as “full coverage.” Your agent may tell you that you have it but there is no such thing as “full coverage.” Your own health insurance policy is what should pay for your medical bills if you are in a motorcycle accident. However, some insurers are now excluding coverage for motorcycle injuries.

Union members who we all expect to have “good” insurance benefits should check your policies. Look for exclusions, which are contained in a separate section in the policy descriptions. You may be surprised to see you are not covered for motorcycle accidents.

I had a client who was left-turned. He was taken by ambulance to the trauma center with a severe leg fracture. When the hospital learned of the exclusion of coverage on his work (health) insurance policy they moved quickly to discharge him. Despite all efforts to help him, no rehabilitation center would accept him because his insurance excluded coverage. He will not receive the rehab and follow up care he needs and deserves because his insurance policy excludes motorcycle accidents.

Please check your policies, and if you have any questions or are unsure about the extent of your coverage, feel free to call me and I will help you. There is never a charge for a legal consultation.

Also, if you become injured in an accident of any kind, whether motorcycle, automobile or fall down and sustained an injury caused by someone else’s fault, please contact me. I am here to help you regarding your legal rights in an accident. Remember there is never a charge for a legal consultation.

In the unlikely event of a crash, contact Andrew Prince, Esq. at 1-800-TEAM-LAW. He has been representing motorcycle riders for decades and is will help protect your rights.