Bicycle crashes can lead to serious physical injuries, and those injuries often require expensive medical care. The good news is that there may be multiple options to help you avoid paying these bills on your own, especially if you were not at fault.
While auto insurance is frequently involved in these cases, you might also be able to use your health coverage. However, it is important to be aware of certain nuances in dealing with health insurance in Mankato bicycle accident cases. Our compassionate bicycle wreck attorneys can help you understand your options.
Depending on the specific details of your policy, your health insurance will cover medical expenses after a bicycle collision in Mankato. Your health insurance can pay for a number of your expenses after a crash, including hospitalization, surgeries, or follow-up care.
Before health insurance pays, an injured bicyclist should first submit their medical bills to their auto insurer. If the injured rider has auto insurance, their policy will provide no-fault (PIP) coverage to pay for the rider’s medical expenses. If the injured bicyclist does not have auto insurance, they may be able to access no-fault coverage from another vehicle involved in the accident. This process can be confusing and difficult to navigate if multiple insurance policies are involved.
If no auto insurance is available, or the bicyclist’s medical expenses exceed the no-fault coverage limit, then the bicyclist’s health insurer should pay the remainder of their medical bills (subject to any co-pays, co-insurance, deductibles, etc.).
Anyone who has used health insurance before knows that the process is rarely simple. You can go through the steps of having your doctor prescribe a certain medication or treatment, only to learn that the insurance company is refusing to honor the claim.
Unfortunately, this can also happen among Mankato residents using their health insurance after bicycle crashes. Our team can help you navigate health insurance issues after an injury.
Health insurance can pay for your medical treatment after a bicycle wreck in Mankato. However, it does not cover many of the financial damages that arise after a serious injury. These policies are designed to address medical care costs, not the broader economic and personal impact of a crash. That means damages such as lost wages, bike repairs or replacement, and household assistance are typically not included. Health insurance also does not cover pain and suffering, which can be one of the most significant aspects of a personal injury settlement.
The good news is that if a negligent motorist causes a collision, these non-medical damages may be pursued through the driver’s liability insurance. Liability coverage is designed to pay for harms not compensated by health insurance, allowing injured cyclists to seek compensation for the full scope of their damages.
You should never have to bear the burden of paying for your medical expenses after a bike crash if someone else was at fault. However, it is important to understand how health insurance in Mankato bicycle accident cases works before relying on it to pay for your medical care.
Health insurance policies will not cover a variety of damages you may have sustained in a crash. Our lawyers can review your case and help you get fair compensation. We are based in Mankato but serve the surrounding areas, so call us today to schedule a free consultation and learn more.
