Motorcycle accidents often result in catastrophic injuries—and devastating medical bills. For bike crash victims who are out of work due to their injuries and struggling to recover, concerns about how they'll pay their mounting medical bills can be especially distressing.
The entire situation is even more frustrating when the accident and resulting injuries were caused by another person or company's negligence.
Motorcyclists injured in accidents they didn't cause can file personal injury lawsuits against the at-fault parties to seek compensation for damages, including medical expenses. However, securing a settlement for or litigating a motorcycle crash case in court can take time. Fortunately, Georgia accident victims have several options that can help get their medical bills paid while they wait for settlements or financial awards.
Medical Expenses Associated With Motorcycle Accidents
After a bike crash, victims often face exorbitant medical bills, even for relatively minor injuries. Depending on the circumstances of the incident and required care, an injured cyclist's medical expenses may include:
- Urgent care visits
- Ambulance services
- Emergency room visits
- X-rays, CT scans, MRIs, and other diagnostic testing
- Surgical procedures
- Follow-up doctors' appointments
- Over-the-counter medications
- Physical therapy
- Chiropractic care
- Assistive devices, such as crutches, walkers, or wheelchairs
What Insurance Will Pay and When
Georgia is a "fault" state for motor vehicle insurance, which means that motorcycle accident victims should turn to their insurer when seeking coverage for medical bills and other damages.
Individuals can first file claims with their health insurance companies. If those policies aren't sufficient to cover all medical expenses, they should take advantage of “med pay” coverage on their motorcycle insurance.
Unfortunately, that still may not be enough to cover medical expenses associated with serious motorcycle collision injuries. In these cases, victims can file claims with the at-fault party's insurance company and pursue personal injury lawsuits. In instances when the vehicle driver left the scene or lacks car insurance, motorcyclists with optional uninsured motorist (UM) insurance can use this coverage to help pay their medical bills.
In some cases, crash victims may be able to work out an arrangement with their medical providers that allows them to receive care now, but pay later. They can do this after their cases are resolved and they've received settlements.
Individuals also have the option to launch a campaign on a crowdfunding site like GoFundMe to help pay for medical expenses.
Why You May Not Be Able to Count on the Insurance Company
Injured motorcyclists who expect their insurance companies to cover medical expenses may be in for rude awakenings.
Insurance adjusters are paid to look out for the company's bottom line—not the people they insure. As a result, adjusters will do whatever it takes to minimize the financial obligation to claimants. They do this by balking at medical bills, ruling tests and treatments non-essential or unreasonable, or even claiming that some injuries were the result of preexisting conditions, rather than the accident.
When this happens, working with the insurance company to try to get medical bills paid can be frustrating and painful. Fortunately, an attorney can help.
Our Experienced Georgia Attorneys Have Strategies
Are you drowning in medical bills after being hurt in a motorcycle crash that wasn't your fault? The skilled personal injury attorneys with can help you pursue the compensation you deserve and get your medical bills paid now. We have extensive experience working with both insurance companies and healthcare providers on behalf of our clients.
Do you have questions about your legal rights, compensation options, and bill payment methods? Contact us today to schedule a free initial case consultation.