HOW TO GET MEDICAL BILLS PAID AFTER MOTORCYCLE CRASH INJURY
Dealing with medical bills after any accident can be challenging. However, if you have been injured in a motorcycle accident in Minnesota getting the medical bills paid can be especially complicated.
If you injured while are riding your motorcycle, the first place to look is your own motorcycle insurance policy. You need to find out if you purchased PIP (Personal Injury Protection) coverage. In MN, PIP coverage is required for every auto policy, but it is only optional for a motorcycle insurance policy. Therefore, you have to specifically request and pay for medical coverage on your motorcycle before you are in an accident. For riders who do have PIP coverage, it will pay the first $20,000 in medical bills from your motorcycle accident.
But what if you don’t have medical coverage for your motorcycles? Even if you don’t have medical coverage on your motorcycle insurance, your health insurance will still pay your medical bills after a motorcycle accident. That doesn’t mean the driver that hit you is not responsible.
If the accident was caused because a car hit your motorcycle or turned in front of you, or was otherwise at fault, the insurance for the car is ultimately responsible for your medical bills as well. In that situation, your health insurance will pay the medical bills first. However, the auto insurance for the car that hit you will reimburse your health insurance when you settle your case. You will also be reimbursed for any co-pays or deductibles for your medical bills.