Will My Health Insurance Policy Cover Motorcycle Accidents?
Many individuals seek out an MVA lawyer Las Vegas, NV has to offer after they’ve been involved in an accident because they have quite a few questions. One of the most common questions that a Las Vegas MVA lawyer might encounter is: “If I’ve been involved in a motorcycle accident, will my health insurance company cover the costs of my injuries?”
In most cases, health insurance policies do cover injuries that are sustained in motorcycle accidents. However, there are certain criteria that may invalidate a victim’s health insurance claim. These may include:
- Specific insurance policy conditions
- State laws, which can vary, regarding the incident
- If the policy was created by a private insurance company or by employer-sponsored coverage.
A private medical insurance policy will typically cover common expenses after a motorcycle accident, including emergency room care, outpatient visits and treatment, physical therapy, and hospital stays.
Some insurance policies provided through employers will require the victim of the accident to pay the sponsor of the insurance company if they were not at fault and were awarded damages from the liable party. This is a legal caveat called a subrogation agreement.
A motorcyclist should definitely have health insurance, regardless of whether it is a private policy or provided through their job. It could be the difference between recovering from an accident in good shape and suffering financial ruin, which might lead to a further decline in health. An injury of any kind can prevent you from working, leading to lost wages and the inability to pay for your medical expenses. Motorcycle insurance doesn’t typically cover hospital bills and health expenses, so it is important to have medical insurance as well.
What Are Your Other Options After an Accident?
It’s important to know that you don’t have to navigate these confusing legal procedures without an MVA lawyer Las Vegas, NV drivers depend on. If you were not responsible for the accident, you should avoid using their own medical benefits to pay for their bills unless you have to.
It is a good idea to file a claim with the liable party’s insurance company after speaking with an MVA lawyer Las Vegas, NV can provide. Waiting for a settlement from the insurer may be the best option because it could help you avoid skyrocketing insurance premiums. There is also a possibility that you could receive a more comprehensive settlement amount that covers most of the damages, because your insurance policy might not cover everything.
Contact an MVA Lawyer Las Vegas, NV Counts On
If you have been the victim of a motorcycle accident, contact an MVA lawyer in Las Vegas, NV who has experience in motorcycle accident claims. Serious injuries can set you back and put your financial stability in danger. Consider calling Nadia von Magdenko & Associates for a free consultation to discuss your legal options.
You deserve to have someone take care of your medical bills for putting you through such an ordeal. You have the legal right to hire a lawyer to help you with difficult insurance companies, complicated procedures of the courtroom, and the confusing details of personal injury forms.
For more information, please call Nadia von Magdenko & Associates today to speak with an MVA lawyer Las Vegas, NV residents trust.