Does Health Insurance Cover Motorcycle Accidents?

If you were injured in a motorcycle accident, you may be wondering if your medical bills will be covered by insurance. Most motorcycle insurance policies may not cover the injuries of the policyholder, so that may leave you with your health insurance. Generally, yes, health insurance can cover injuries caused in a motorcycle accident. Whether or not your medical expenses will be covered, however, still depends on many factors, such as the specific policy and its terms, whether it is privately held or employer-sponsored, and the state where the plan originates.

If you have private health insurance, it is likely that majority of the expenses caused by a motorcycle accident will be covered. Coverage highly depends on the terms of the policy and coverage, so it is important to understand your specific insurance policy. Some of the expenses your insurance may cover includes:

  • Emergency room care
  • Hospital stays
  • Medical tests
  • Treatment
  • Therapies
  • Outpatient visits

Employer-provided health insurance policies may work differently, because the policies are usually partially or fully funded by the employer. Most of the money to cover medical and health expenses of a motorcycle accident will be coming from employee contributions and employer assets. Because the employer is generally in control of the plan, there are usually more restrictions and exclusions. For this reason, it is important to look into your plan to determine coverage. Work with an experienced attorney that may be able to assist such as the motorcycle accident lawyer Henderson NV locals turn to.

As a motorcyclist, it is important to have health insurance to avoid potential issues with coverage after an accident. This is especially true because most motorcycle insurance policies are not required to cover medical expenses incurred by the policyholder. Even if your health insurance does cover your medical expenses, there are a few other things regarding the accident and insurance to consider.

Coverage for Other Victims

Most motorcycle insurance policies include Personal Injury Protection (PIP) coverage. If you are not sure whether your policy does, you should look into the policy or speak with your provider. It is important to have PIP coverage with your motorcycle insurance plan, because it will ensure that should an accident happen, proper coverage is provided. This is especially vital if you are at fault for an accident that causes injuries to another person. Regular insurance may not provide the same coverage, which means you may be stuck with high out-of-pocket costs in the event of a severe accident. PIP coverage can be expensive, but it may also save you money in the long run.


Thanks to authors at Nadia Von Magdenko & Associates for their insight into Personal Injury law.