You may not need to worry if you were injured in a motorcycle accident, as you could possibly get personal injury medical expenses paid after the motorcycle accident by the driver who is proven to be at fault for the motorcycle accident. You may be required to pay the motorcycle accident medical bills upfront after your medical treatment. However, if you have sufficient proof that the other driver was at fault and caused the motorcycle accident you may be able to recover personal injury medical expenses from your insurer or by filing a personal injury claim.
Who Pays for Medical Treatment?
When you are injured in a motorcycle accident you may either pay for your own medical treatment when given the bill or ask your insurer to pay but it may be possible to get compensation from the driver who caused the motorcycle accident. Motor cycle accidents invariably result in serious injuries, such as multiple broken bones.
If you have no health insurance, the diagnosis and treatment of a broken arm when surgery is not required can be $2,500 or more. If surgery is mandatory, without health insurance it could typically cost at least $16,000. If you break a leg that needs surgical treatment and you don’t have any health insurance, it could cost from $17,000 to $35,000 in motorcycle accident medical bills.
States That Have No Fault Insurance
There are a few no-fault accident states which require that drivers pay for personal injury protection (PIP) cover along with the normal car insurance policy. There are the following:
- North Dakota
- New York
- New Jersey
You may file a claim with PIP even if you were at fault. The value of the personal injury medical expenses treatment you might be able to claim will be dependent on how much cover you have paid in insurance. Most no-fault states state that there is a minimum amount of PIP insurance that needs to be paid by motorcycle drivers.
Any loss of wages may be paid through PIP insurance as well, but motorcycle damage isn’t included. In a motorcycle accident in a no-fault state, the PIP cover should be just enough to cover your personal injury medical expenses, but it might be necessary to file a personal injury claim against the driver who caused the motorcycle accident if you need to get your property damage paid for.
States That Do Not Have No Fault Insurance
In a fault state your motorcycle accident medical bills for your motorcycle accident may only be claimed if you have coverage from one of the optional medical insurance policies like PIP or MedPay. PIP because it doesn’t cost quite so much can be adjusted to meet your personal requirements, but does not include lost wages compensation.
If you were not at fault and you can provide the right amount of evidence which proves that another driver caused the motorcycle accident, you may be able to file a personal injury claim for compensation to pay your personal injury medical expenses. If your claim is successful, the at-fault driver’s insurer may be told to pay any medical expenses you have already received from your own insurer.
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