If you or someone you love was injured in a motorcycle accident and have private health insurance, it should cover the costs of the emergency and follow-up treatment you require. The driver whose negligence led to your accident can also be held accountable for the cost of treating your injuries and their related expenses and losses.
While health insurance does cover motorcycle accident injuries, these are not the only costs you will incur from the collision. If an Atlanta motorcycle accident lawyer in your area represents you, they will explain the additional forms of compensation you are entitled to recover. They will also take on the at-fault driver’s insurance company and fight hard for the best possible outcome for you.
Health Insurance Coverage for Motorcycle Accident Injuries Can Still Leave You With Out-of-Pocket Expenses
Health insurance is designed to cover everyday and emergency medical expenses. If you were hurt in a collision between your motorcycle and a car, the cost of treating your injuries starts right at the accident scene and continues until you reach maximum medical improvement. This can include:
- Ambulance fees
- Hospital stays
- Assistive devices
- Surgical procedures
- Rehab and therapy
- In-home medical support
Even though your health insurance will cover your care, you could still incur expenses, including deductibles and co-payments. These are usually requested at the time service is rendered. If you cover these costs out of your own pocket, they can be recovered when you file a motorcycle accident insurance claim or lawsuit.
Your legal team will help you determine who was at fault in your motorcycle accident and how you can obtain compensation for your injury treatments and more.
Check Your Motorcycle Insurance Policy for Personal Injury Protection (PIP) Coverage
According to O.C.G.A. § 40-6-11, all registered motorcycles in the state are required to have insurance. Along with mandatory insurance, you can purchase optional insurance coverage for added protection. If you opt to carry PIP insurance, it will cover many of your medical bills.
When you seek legal support for your motorcycle accident injuries, provide your legal team with a copy of your insurance policy. If PIP or Med-Pay are part of your policy, they can help you tap into its coverage. Your lawyer can also leverage your policy if the driver in your accident was uninsured or underinsured.
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You Can Pursue Damages From the At-Fault Driver Even if Health Insurance Covers Your Motorcycle Accident Injuries
The average settlement for a motorcycle accident case in Georgia includes more than medical bills. Once these are covered, your lawyer will assess your additional accident-related costs and request compensation for:
- Economic damages, including lost wages, lost future earning ability, and property damage, loss, and diminished value
- Non-economic damages, including physical disability, disfiguring injuries, pain and suffering, mental and emotional anxiety, and loss of enjoyment of life
- Wrongful death damages, if applicable, including the cost of your loved one’s final arrangements, loss of their financial input, loss of their domestic support, and loss of consortium, companionship, and guidance
Your lawyer will investigate your expenses and losses and add documents that support their value to your evidence collection and case file.
You Could Have a Two-Year Time Limit on Filing Your Motorcycle Accident Lawsuit
Filing a lawsuit after a motorcycle accident is a time-sensitive legal matter. You are generally required to file your personal injury or wrongful death lawsuit within two years of the accident, according to O.C.G.A § 9-3-33.
If you do not meet the deadline for filing a personal injury lawsuit in Georgia, the court could refuse to allow its filing at all or dismiss your lawsuit without hearing its merits. Either outcome could mean you cannot compel the at-fault driver to compensate you and the financial burden of the accident will fall to you. A motorcycle accident lawyer can help you avoid these costly consequences.
A Motorcycle Accident Lawyer Can Help You Build a Strong Case Against the At-Fault Driver
Recovering from serious motorcycle accident injuries can require all of your time and focus. When a lawyer handles your case, they can give it the attention it needs without compromising your physical and psychological recovery. Your lawyer will:
- Review police reports and medical records
- Provide updates on the progress of your case
- Respond to your legal questions and concerns
- Complete and submit the required paperwork
They can provide responsive, supportive client service, handle all communication with the insurance company and adjuster, and gather and organize evidence. Your lawyer can speak to witnesses while their memories are fresh and preserve valuable evidence that supports your right to compensation.
A Lawyer Can Help You Settle Your Motorcycle Accident Case Without Going to Court
Most cases like yours are resolved with an insurance settlement. Your lawyer will present the at-fault driver’s insurance with:
- Proof of their policyholder’s negligence
- A demand letter requesting compensation
The law firm will also review settlement offers, make counteroffers, where warranted, and strive to settle your case without the time and frustration of a trial. They will also explain the potential timeline of receiving a motorcycle accident settlement.
A Motorcycle Accident Lawyer Can Represent You at No Upfront or Out-of-Pocket Cost
You do not have to handle all the details and legal ramifications of your case out of concern about the cost of hiring a motorcycle accident lawyer. Many will accept your case on a contingency fee basis. They will cover the costs associated with your case and are only compensated when you recover damages. If you do not, you will not owe the law firm any fees at all.
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Get Help Covering Your Motorcycle Accident Injury Treatment Costs
If you or someone you love was injured in a motorcycle accident, our law firm will help you get compensated for your post-accident expenses and losses. Even if your health insurance does cover your motorcycle accident injuries, you can recover additional forms of compensation.
You do not have to pursue the at-fault driver without help. Find out how hard we work to recover damages for you by contacting our case evaluation team at Kaine Law today.