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When you are injured in an accident that was not of your own making, it is an extra insult to have to pay for the treatment, Fortunately, you are usually able to have your health insurance pay for Cicero motorcycle accident injuries. It is a good idea to learn the rules of his process by speaking with a diligent motorcycle accident attorney.

The Importance of Having Insurance

Many people who are involved in motorcycle accidents will use health insurance to treat their injuries and some doctors will treat uninsured patients with the prospect of getting paid when the case settles. Whether the patient has health insurance or not, it is critical to continue to follow up for medical attention until they have made a complete recovery. The value of a case is partially dependent upon the patient receiving the treatment. If necessary, a lawyer could suggest medical providers near Cicero who will treat someone without health insurance who was in a motorcycle wreck.

There are also public clinics which will treat the uninsured, and finance companies who will loan money to injured motorcycle drivers. In this way, the doctors get paid for their treatment and the finance company will be paid when the case is settled.

Uninsured Drivers

Car insurance is mandatory in Illinois. However, there are still some people who are unable or unwilling to purchase it. If a person is in a motorcycle accident with an uninsured driver, they could still make a recovery because every policy should also have uninsured motorist coverage. This means that their personal insurance will cover any injuries from someone who does not have automobile insurance. Rather than the at-fault driver’s insurance company paying for damages, their own insurer will step in and provide payment.

What Are Some Things to Know About Using Insurance for Treatment?

Most of the time, medical providers will already have a patient’s health insurance information on file at their office. However, if is treated in an ambulance or an emergency room, these providers might not have health insurance on file. It is important to give insurance information to any medical provider so that the charges can be paid. A patient might still be responsible for a deductible or a co-payment.

Some health insurance companies might try to deny benefits to local riders following a motorcycle accident, so it is important to read the policy closely. They will sometimes deny making payment until the injured person agrees to repay them for any medical expenses. This is reasonable and should be done in every case. However, until the injured motorcycle rider complies with all of the conditions, the insurance company is justified in refusing payments.

Work Benefits

If the claimant missed work following a motorcycle accident, the defendant’s insurance company is responsible for reimbursing any time lost. Even if the plaintiff used sick time or vacation time, the insurance company is still legally liable to reimburse them. This is considered paid time off which they would not have had to use if they were not in the crash.

What is Subrogation?

Most health insurance policies have a provision called subrogation, which means that the company will pay for the medical expenses but will be repaid if the motorcycle rider receives compensation from a third party. However, they are only entitled to be repaid the amount which they actually spent for medical treatment. Oftentimes, the amount billed by the hospital is higher than the amount paid by the health insurance company.

Letting a Lawyer Handle Insurance Companies

While some people may want to see what the defendant’s insurance company offers for a settlement prior to speaking to an attorney, this is never a good idea. The company will attempt to take advantage of anyone who does not have a lawyer representing them. Additionally, most people have no idea what the prior value of an injury case should be. Having a lawyer represent them could help avoid potential pitfalls in a motorcycle accident case.

A lawyer might be able to negotiate with the patient’s health insurance. Although the insurer is entitled to be repaid for any medical expenses, a lawyer could attempt to negotiate a lesser repayment, which will mean more money in the pocket of the claimant.

Learn More About Health Insurance in Cicero Motorcycle Crashes by Speaking with an Attorney

While a personal injury claim may seem simple on the surface, there are many intricacies to contend with. There are potentially several different insurance companies to coordinate with and a lawyer will attempt to obtain the greatest possible recovery from all groups involved. Call now to learn more about health insurance in Cicero motorcycle accidents.