Motorcycle accident leave negative consequences in the life of the victim including huge medical bills. Often, they lead to more serious injuries than accidents that involve four-wheel vehicles. Such injuries usually result in substantial hospital bills. A lot of victims in Atlanta may be worried about how to pay the bill. Thankfully, victims can file an insurance claim against the driver responsible for their accidents. If you are one of these victims, speak with one of the best Lawbike Motorcycle Injury Lawyers about your rights and options.
Who Pays Your Medical Bills After a Motorcycle Accident
The party responsible for paying medical bills related to a motorcycle accident depends on the party at fault for the crash. If you were hit by a car, the driver of this vehicle may be held accountable. However, negligence must be proven to guarantee compensation. Even if a driver is to blame for the accident, you and your insurer will be responsible for the resulting medical costs initially until a claim settlement is reached.
Are Medical Bills Covered by Motorcycle Insurance?
Your insurance provider will pay for all resulting bodily injuries and motorcycle damages. However, the provider may seek reimbursement for such expenses. Also, medical costs covered through government programs such as Medicare or Medicaid can make claims. Thus, it may be necessary to negotiate medical liens following a settlement.
How much you own your insurer depends on factors like fault. That is why you should consult with an attorney who can assist you in this matter.
Will Reimbursements Apply to Hospitals and Doctors?
Negotiating medical expenses after a motorcycle accident can be complex. Insurers, doctors, and hospitals may request payment before a settlement is reached. You may be asked to sign a lien payment letter before the settlement. This makes it important to discuss payment arrangements with your doctors. An attorney can help negotiate medical bills following a crash by speaking with your doctors before a settlement occurs. If your insurance coverage is not enough to cover your medical costs, your attorney may be able to persuade them to provide you with a discount.
Can You Pay Your Medical Bills with Personal Injury Protection?
If you carry personal injury protection as part of your car insurance coverage, it will cover your motorcycle accident-related medical expenses. Suppose the cost is higher than your coverage, you can turn to your health care insurance to clear your bills. If you fail to prove the fault of the other driver, your motorcycle insurance won’t pay your medical bills. But your PIP insurance should pay the bills, even if fault is not proven.
Negotiating a Settlement
After sustaining injuries in a motorcycle accident, you must negotiate your insurance claims and medical bills. This way, you can minimize your out-of-pocket expenses and obtain the compensation you are entitled to.
Before you negotiate, make sure you already have your medical bills and insurance statements on hand. This way, you can understand your expenses and the amount you are owed. It’s important to stand up for your rights and know what to demand and compromise. Negotiating a settlement can take time. So, you need to be patient and persistent.
What Happens If You Are to Blame for the Accident?
Even if you are responsible for causing the accident, you may still get monetary compensation that covers your medical expenses. Your health insurance provider may cover such expenses, but you may have to pay a higher deductible, copays, and coinsurance. In case of no insurance and insufficient coverage, you can seek financial assistance from sources like PIP coverage, government programs, or MedPay coverage.
Proving fault in motorcycle accidents is difficult. Also, negotiating a settlement or coverage with insurers is usually necessary. A skilled motorcycle attorney can help maximize your compensation and negotiate a reasonable settlement.