
Motorcycle accidents frequently result in severe injuries, but health insurance often leaves a significant coverage gap. This leads to the critical question: Does health insurance cover motorcycle accident injuries? While it might address some medical costs, it rarely covers lost income or long-term care needs. Our Reno motorcycle accident lawyers can help you bridge this gap and secure the compensation you need.
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Yes, but with limitations. Health insurance can cover some medical expenses after a motorcycle crash but may not pay for everything. Most policies impose limits on coverage, including co-pays, deductibles, and extended treatment, which can create financial challenges for riders. Additionally, some insurers require accident victims to exhaust other coverage options, like motorcycle medical payments or personal injury protection, before using health insurance.
If another driver caused your crash, their liability insurance may help cover your medical costs, reducing your financial burden. In these situations, working with a personal injury can help ensure you receive maximum compensation.
When filing a health insurance claim after a motorcycle accident, it’s crucial to understand how different policies interact. Unlike auto insurance, which covers vehicle damage and liability, health insurance focuses solely on medical care. Depending on your coverage, your policy may require prior authorization for treatments or surgeries, limit the number of covered physical therapy sessions, deny payment for experimental procedures or specialized care, and enforce subrogation, allowing the insurer to seek reimbursement from any settlement you receive.
After a motorcycle crash, health insurance may cover a variety of medical costs, including:
However, health insurance does not cover non-medical damages like lost wages, pain and suffering, or property damage. If you’re facing significant financial hardship due to a motorcycle accident, additional options like MedPay or a personal injury claim may be necessary to cover all expenses.
Insurance providers may reject claims for motorcycle accident injuries based on specific policy restrictions or insufficient coverage. If this happens, consider taking the following steps:
Injured in a motorcycle accident in Reno? Kidwell & Gallagher Injury Lawyers can help you navigate insurance challenges and fight for the compensation you deserve. Call (775) 323-2667 for a free consultation today!
Craig W. Kidwell is the managing partner of Kidwell & Gallagher, Ltd., and exclusively represents injured workers in Nevada. Mr. Kidwell has been practicing workers’ compensation law in Nevada since 1999 and has acted as lead counsel on over 2,000 contested workers’ compensation claims. Mr. Kidwell represents injured workers in Nevada through all stages of Nevada’s complex worker’s compensation system. Craig regularly appears in all levels of Nevada’s administrative workers’ compensation system and has represented injured workers in Nevada’s districts and Supreme Court.
This page has been written, edited, and reviewed by a team of legal writers following our comprehensive editorial guidelines. This page was approved by Managing Partner, Craig W. Kidwell who has more than 20 years of legal experience as a personal injury attorney.