Yes, health insurance covers motorcycle accident injuries in California, though your insurer may later seek repayment from your settlement through a process called subrogation.
How Does Health Insurance Apply After a Crash?
Health insurance pays for treatment of motorcycle injuries the same way it covers other medical care, subject to your deductible and copays.
- Emergency room and hospital care
- Surgery, imaging, and follow-up visits
- Physical therapy and rehabilitation
- Prescription medications
What Is Subrogation and Why Does It Matter?
Subrogation is your health insurer's right to be repaid from your injury settlement for the care it covered. This affects how much you keep, much like a medical lien on a personal injury settlement.
- The insurer pays your bills upfront
- It places a lien on your eventual recovery
- An attorney can often negotiate that amount down
What Injuries Commonly Need Coverage?
Motorcycle crashes cause severe injuries that require extended treatment, as detailed in the most common injuries in a California motorcycle accident.
- Road rash and deep lacerations
- Fractures and joint damage
- Traumatic brain and spinal injuries
Who Ultimately Pays for the Injuries?
The at-fault driver's insurance is ultimately responsible, and your settlement should account for all medical costs. Settlement value depends on several factors, as shown in motorcycle accident settlements in California.
- The at-fault driver's liability coverage
- Your underinsured and uninsured motorist coverage
- Health insurance as the interim payer
Should You Hire a Motorcycle Accident Lawyer?
Hiring a California motorcycle accident attorney helps you maximize compensation and reduce the liens that eat into your recovery.
Michael Avanesian, the founder and driving force behind Avian Law Group, is a passionate and dedicated attorney with a strong background in personal injury law. As a partner at JT Legal Group, Michael led the growth of the personal injury practice from a single employee to a team of over ninety professionals, securing over $2 billion in settlements for clients in just three years.
