It is highly recommended that Manchester motorcyclists purchase insurance just in case they find themselves injured in an accident on the road. Wrangling health insurance after a motorcycle accident is a complicated process with a lot of moving parts that a lawyer can help navigate. Among the hurdles you may run into are health insurance companies, rights of subrogation, liens, policy limits, underinsured motorist coverage, and umbrella coverage. It is a complicated area of law that requires years of experience to understand. A reputable, established firm could navigate those tricky waters and fight for a just outcome.
What to Do in the Event of an Accident
The first thing a person in an accident should do is submit the claim to their health insurance company, allowing treatment to occur. A person should not wait to see what the company will offer before seeing a lawyer because it is in the company’s interest to pay as little as possible on a claim. The question insurance companies are concerned with is who was at fault, so if the motorcyclist is not at fault, it should not have an impact on their insurance rates. A Manchester lawyer could advise someone on how insurance companies may treat their case during a consultation.
What if I Don’t Have Insurance?
If a motorcycle accident victim does not have health insurance, their treatment options are unfortunately limited. A hospital will likely not refuse care or treatment. but it will attempt to bill the patient for it. Often, they can negotiate a payment plan or a letter of protection, although those are generally not effective with hospitals. If the hospital bills go unpaid, they can end up in collection and can damage the person’s credit, which is unfair when the motorcyclist did not cause the accident.
As a last resort, litigation-funding options may be available to pay for some medical care. Those usually have very high interest rates and should only be used in case of emergency. Often, a lawyer will seek to find healthcare providers who will take letters of protection and treat on that basis.
Health insurance companies usually do not provide any sort of coverage for time lost from work. That would be handled by short-term or long-term disability coverage, depending on the disability. Often, people will have to use vacation time to manage time off from work.
Settlement money is typically requested by insurance companies based on how high the bills are, but clients also have leverage because they have the ability to walk away from the company, denying them future business.
Connecticut is an anti-subrogation state, which means health insurance companies have no right to reimbursement if a person receives a settlement, but there are several ways they can still demand it. One is if the injured person participates in what is known as a self-insured ERISA plan. For example, if workers’ compensation is paying for the health insurance, the company will seek reimbursement for its costs. If somebody treats injuries based on a letter of protection from a lawyer, there would be a right to reimbursement.
The minimum liability coverage that an auto driver could purchase would be $25,000 to any one person and $50,000 per accident. In Manchester, drivers are usually advised to purchase the maximum limits of $255,000, including conversion coverage that allows the stacking of policies and umbrella or excess policies (usually $1 million or $2 million) to ensure they are protected in the event of an accident.
Unfortunately, there are many who have minimal insurance or none whatsoever. It is heartbreaking for somebody who suffered a major loss to learn that the person who hit them had no insurance with which to cover damages.
Motorcyclists should consider purchasing the maximum underinsured or uninsured motorist coverage. If the driver leaves the scene and is unable to be found, the biker may have to file an uninsured or underinsured motorist claim. This coverage also protects them if they are hit by somebody who does not have insurance.
A Manchester Attorney Could Help with Insurance Claims After an Injury
It is never a guarantee that a driver will have the proper insurance in the event of an accident. Motorcyclists in Manchester should prepare for the worst-case-scenario and consider uninsured or underinsured insurance coverage so that their expenses can be paid for in the event of an injury. No matter the situation, you can call a dedicated lawyer to discuss your options for relief.