Personal Injury Lawyers Fort Wayne | South Bend Indiana

Does Health Insurance Cover Indiana Motorcycle Accidents?

Can I use my health insurance to pay for crash injury medical treatment?

After a bad accident in Indiana, you need immediate medical attention, and you can’t wait for the insurance company to make a substantial settlement offer to start treatment. But without a settlement, who is going to pay the urgent medical bills when they start rolling in?

For many car and truck drivers in this scenario, health insurance may pick up the tab until crash compensation is sorted out. However, for an injured motorcycle rider, your health insurance may cover these expenses – or it may not. It depends on your specific policy.

Many health insurance policies specifically exempt motorcycle accident injuries from coverage. In fact, researchers estimate that between 14 percent and 43 percent of motorcycle crash medical bills are paid out of the injured biker’s own pocket.

Injured in a crash and unsure if you’re covered? Contact Boughter Sinak, LLC for a free case consultation. At no cost to you, we can explain your legal situation, in plain English, and review your options for injury compensation.

Insurance compensation after a motorcycle accident

Health insurance is not necessarily intended to pay for traffic accident injuries; it’s one of the reasons people must purchase auto insurance. Once the negligent driver that hit you is held accountable, if your health insurance paid for any type of treatment, they will likely seek subrogation. This means that they are looking for a refund from the at-fault driver’s insurance.

If the driver is underinsured or uninsured, you may have to file a claim with your motorcycle insurance provider. If you purchased one or both of the following optional coverage you may be eligible for:

  • Uninsured and Underinsured Motorist (UM) - UM is coverage that you purchase to pay for injuries to you in an accident. Basically, you may file a claim if the at-fault driver does not have insurance, you are the victim of a hit-and-run accident, or you have exhausted the other driver’s policy but still need compensation for medical treatment. How much you collect depends on your policy limit.
  • Medical Payments (Med Pay, aka Medpay) – Regardless of fault, this policy pays crash-related medical bills up to the policy limit.

Indiana does not require you to purchase UM or Med Pay, but these policies can be lifesavers for bike wreck victims. However, even if you have these policies, it doesn’t mean your insurance company is going to give you the compensation you deserve. Our Indiana motorcycle insurance lawyers hold insurance companies accountable for the promises they make in their policies. We always demand maximum compensation for injured bike wreck victims.

Indiana lawyers on the side of injured motorcycle accident victims

If you were in an Indiana motorcycle accident, don’t wait around to be treated poorly by the insurance company. Take action. Take control. Contact Boughter Sinak, LLC to handle your motorcycle accident injury claim. Our law firm has recovered millions of dollars for injured accident victims.

Boughter Sinak, LLC offers free case consultations to injured motorcycle accident victims and the families of those who have died in motorcycle crashes. At no cost to you and at no obligation to hire us, we can estimate the value of your claim and explain your compensation options. We have offices in Fort Wayne and South Bend and serve all of Indiana.

You should also know that it does not cost you anything upfront or out-of-pocket to have one of our experienced Fort Wayne motorcycle accident lawyers on your side. We handle injury cases on contingency. That means our fee is an agreed-upon percentage of the settlement or verdict. If we don’t win, you don’t pay us.

Injured motorcycle accident victims should not delay in reaching out. A statute of limitations applies to your case. A member of our team is available to hear from you now. Contact us to schedule your free case consultation today.

Fort Wayne

5150 W Jefferson Blvd,
Fort Wayne, IN 46804 260-420-4878

South Bend

205 West Jefferson Blvd., Suite 303,
South Bend, IN 46601 574-208-1001

Free Consultation Click Here
Free Case Consultation