MEDICAL BILLS INSURANCE FOR MOTORCYCLE ACCIDENT – INJURY ATTORNEYS
Our lawyers handle many motorcycle accident injury cases. The first question is always how to pay motorcycle accident medical bills. If you are in an automobile accident in Minnesota, your auto insurance must provide medical coverage. Unfortunately, this law does not automatically extend to a motorcycle accident. Therefore, the motorcycle owner’s coverage often does not include medical expenses. Optional medical insurance for a motorcycle accident must be purchased separately as an add-odd to the bike’s insurance policy.
The insurance company must offer you medical insurance for a motor cycle accident. However, that doesn’t mean they have to encourage you to get it, or even explain its importance to you. Our top motorcycle accident lawyers in MN have represented many people who later wished they had purchased insurance to cover their medical bills.
Minn.Stat. Sec. 65B.48 Subd. 5 regarding motorcycle coverage states:
(a) Every owner of a motorcycle shall provide and maintain security for the payment of tort liabilities arising out of the maintenance or use of the motorcycle in this state.
At the time an application for motorcycle insurance without personal injury protection coverage is completed, there must be attached to the application a separate form containing a written notice that states:
“Under Minnesota law, a policy of motorcycle coverage issued in the State of Minnesota must provide liability coverage only. There is no requirement that the policy provide personal injury protection (PIP) coverage in the case of injury sustained by the insured. Therefore, No PIP coverage provided by an automobile insurance policy you may have in force will extend to provide coverage in the event of a motorcycle accident.”
HOW TO PAY FOR MOTORCYCLE ACCIDENT MEDICAL BILLS
That is not a very clear warning. Also, it is not very informative about coverage of medical bills after a Minnesota motorcycle crash. The truth is, you are much more likely to be injured in an accident if you are riding a motorcycle than if you are sitting in a car.
The optional PIP/No Fault Benefits that you can purchase provides $500 per week in lost wages and $20,000 in medical expenses. It may not seem like a big deal, but the premium cost is pretty modest to buy this coverage. Of course, the benefits can be very helpful if you are in a bad accident. At a minimum, you should discuss the cost with your insurance agent before declining the motorcycle insurance medical coverage.
INSURANCE AFTER MOTORCYCLE INJURY ACCIDENT LAWYER MN
Our best MN lawyers have represented many people injured in a motorcycle accident. Our first discussion with the client always includes the question of whether or not they have No-Fault coverage on the motor cycle. No-Fault coverage is the fastest way to help pay motorcycle accident medical bills and lost wages. In fact, every client that purchased the extra medical insurance coverage has been grateful that they did so.
If you have been injured in a motorcycle accident and have questions about your rights or how the medical bills will get paid, call our office. A top lawyer will provide a free consultation for your motorcycle accident. We have offices where you can meet a motorcycle accident attorney in Minneapolis, St. Louis Park MN, Edina, and Woodbury. One of our motorcycle accident injury lawyers will also meet you at your home. Our attorneys come to St. Paul MN, Roseville, Forest Lake, Lino Lakes, White Bear Lake, and Brooklyn Park. Also, Brooklyn Center, Anoka, Maple Grove, Plymouth, Eden Prairie MN, Burnsville, Lakeville, Albert Lea, and other cities throughout Minnesota.