If you’ve been injured in a motorcycle accident, you’re likely facing medical bills while dealing with pain and recovery. One of your first questions might be whether your health insurance will cover your injuries.
In most cases, your health insurance typically covers medical treatment for injuries sustained in a motorcycle accident. However, there are important limitations you should understand:
- Your policy coverage ultimately determines what’s paid. Your regular deductibles, copays, and coverage limitations still apply, which means you’ll likely have out-of-pocket expenses.
- Your health insurance may seek reimbursement. Under state law, health insurers often have a right of subrogation, meaning they can seek repayment from any settlement you receive from the at-fault driver.
Keep reading for more from our skilled Orlando motorcycle accident lawyers.
Florida no-fault insurance doesn’t apply to motorcycles
Unlike with car accidents, the state’s Personal Injury Protection (PIP) coverage does not extend to motorcycles. Under Florida Statute §627.736, PIP coverage is only required for four-wheeled motor vehicles, leaving motorcyclists without this important protection.
This means you cannot rely on no-fault benefits after a motorcycle accident, making your health insurance and the at-fault driver’s liability coverage even more crucial.
Your options for covering medical expenses after a motorcycle crash in Orlando
If you’ve been injured in a motorcycle crash, you have several potential sources of compensation:
- Your health insurance will cover medical treatment according to your policy terms
- The at-fault driver’s bodily injury liability insurance may help cover your medical expenses, lost wages, and pain and suffering if there is a recovery of that coverage
- Your own uninsured/underinsured motorist coverage provides protection if the at-fault driver has insufficient insurance
- Medical payments coverage (if you purchased it as an add-on to your motorcycle policy)
Taking action after your accident with DWK Law
If you’re dealing with injuries from a motorcycle accident, time is critical. Florida Statute §95.11(3)(a) provides a two-year statute of limitations for personal injury cases, meaning you must file any lawsuit within two years of your accident.
You deserve fair compensation for your injuries. While your health insurance provides immediate coverage for medical treatment, it typically won’t cover lost wages, pain and suffering, or future medical needs.
Many motorcycle accident victims find themselves overwhelmed by insurance claims, medical bills, and the challenges of recovery. Having experienced legal representation can make all the difference in securing the full compensation you need to move forward with your life.
If you or a loved one were hurt in a motorcycle crash, contact us online or call (407) 244-3000 to schedule a free case consultation.
