Does My Health Insurance Cover My Motorcycle Accident in Little Rock?

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The predominant cause of motorcycle accidents is the failure of motorists to recognize or detect motorcycles in traffic. Compensation for crashes resulting from other party negligence usually takes a while, and most victims wonder how to handle costly medical expenses.

Many injury victims have some form of medical coverage, but are unsure whether injuries from motorcycle accidents are covered. Some exhaust their life savings to pay out-of-pocket as they wait for their case to be determined. A Little Rock personal injury lawyer can help you navigate life after a motorcycle accident.

How is the Medical Bill Handled When I Have Health Insurance Coverage?

If you have medical insurance, two things can happen concerning your medical bill. The medical provider can bill your Medicaid or Medicare, or wait to seek payment from your future liability settlement. If MedicAid or MediCare settles the bill in the hospital, they might seek to recover it in your liability settlement as well.

A Little Rock motorcycle accident attorney can help you understand the effects of a MediCare or MedicAid lien on your personal injury case, and advise you on how to handle it. If the medical provider decides to seek the payment from your liability settlement, they will need to enter into a medical lien agreement with you.

In the agreement, they will agree to provide medical services to you, and wait to recover the money when your claim is settled. Medical liens are usually paid first when you receive a settlement, and the remainder is thereafter channeled to the victim.

What Does Health Insurance Cover After a Motorcycle Accident?

A majority of health insurance provides coverage for motorcycle accident victims in Arkansas. But what is covered varies widely among the various insurance companies. The amount that your provider is likely to pay depends on the deductibles, copays, and specific policy.

Certainly, medical insurance will not cover pain, suffering, and other losses from your accident. A Little Rock motorcycle accident lawyer will help you recover other losses that victims might have incurred due to another person’s recklessness.

Common injuries include PTSD, internal bleeding, disfigurement or amputation, burns, fractures, back injuries, soft tissue injuries, whiplash, concussions, spinal cord injuries, and traumatic brain injuries. Whether the medical insurance covers it or you pay from your pocket, you will eventually receive compensation for:

  • Counseling
  • Psychological assistance
  • Long-term care
  • Therapy
  • Rehabilitation
  • Surgeries

What Happens When My Medical Bill Exceeds the Awarded Settlement?

A motorcycle accident in Little Rock can come with several uncertainties. For instance, blame is usually apportion based on the evidence presented. If you are partly at fault, you will only recover compensation to the extent of negligence of the other party.

In cases where the medical bills exceed 50% of the money received in settlement, the insurance or health provider may not be allowed to recover all of it. Instead, the amount not exceeding 50% will be divided among the providers on a pro-rata basis. Victims can speak to an Arkansas motorcycle accident lawyer to discuss any lingering concerns.

Remember that you have a limited time to file your personal injury case in an Arkansas court. Three years after the accident, victims will be barred from pursuing compensation from the at-fault party and their insurance company. It is good to engage a PI attorney in Little Rock, AR, early enough so that they can start working on your case on time.

What Can My Health Insurer Do if None Had No Insurance?

Even if the negligent party had no insurance cover, your health insurer could still recover what they paid for your medical bills. If you had insurance yourself, chances are, that it covers uninsured motorists’ liability. This coverage can sort your medical bills and other losses resulting from the motorcycle accident.

If you had no insurance and the other party was covered, your Arkansas motorcycle accident attorney can ensure that you recover the money that your medical insurer helped to pay.

Besides, people who had personal injury protection (PIP) or MedPay in Arkansas don’t have to struggle with medical bills. Regardless of who was at fault in the crash, they are covered since they are no-fault insurance covers. However, remember that both PIP and MedPay cover medical expenses, but PIP goes the extra mile of covering lost income.

What Should One Do After the Motorcycle Accident?

The steps you take immediately after a motorcycle accident can significantly impact your ability to receive a deserving compensation. Remember that motorcycles don’t have airbags and reinforced steel cages to protect you from the impact of an accident. Thus, mental trauma and physical injuries can be quite serious. This could make it impossible for you to work and provide for your family, and many players can take advantage of your situation.

Be aware of insurance companies that might come to pressure you to accept a settlement quickly. They know how life-changing and traumatic motorcycle accidents can be, and they may want to minimize their liabilities. The worst you can do is to settle without realizing how bad your injuries are.

What you need immediately after a motorcycle accident is proper medical care and a Little Rock motorcycle accident attorney by your side. And in case of mental trauma, long-term disability, or permanent disability, you will be assured of the rightful and deserving settlement. Don’t forget to inform your medical provider about your insurance coverage.

Personal Injury Lawyer Securing Compensation for Victims

Whether your health insurance covers your accident or not, is dependent on several factors. Every health insurer has unique rules regarding what is covered and the extent it is covered. So, if you are a motorcycle accident victim, your personal injury attorney in Little Rock will need to find out what the policies are.

Regardless of the situation, the attorney will ensure that the result is the best possible outcome. And the case evaluation is absolutely free. Talk to us today to discuss your needs after your Arkansas motorcycle accident.

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