When an individual is injured in an auto accident caused by the carelessness of another driver, typically the at-fault individual is required to cover the costs associated with the injury including medical expenses and recovery. In the event of a motorcycle accident, where the cyclist is injured by another driver, that driver may be looking for medical expenses, lost income, and even pain and suffering.
Regardless of the motorcyclist's health coverage or ability to pay out-of-pocket medical costs, compensation will not change. When a personal injury claim is filed, the injured party's ability to pay for health coverage is not relevant when awarding compensation. If successful, a court will award the injured party compensation based on their loss and not based on their economic situation at the time.
There is a chance, however, that an injured motorcyclist, whose health insurance covered the cost of the injury and treatment, may require reimbursement after the claim has been settled. Just as the injured party is reimbursed for their loss, their medical insurance company may be reimbursed for theirs as well. Their requirement for reimbursement is not set in stone, however, and may be subject to partial or full recovery.
For individuals injured in a motorcycle accident, it is imperative to speak with an attorney before admitting guilt or accepting blame. A fair majority of motorcycle accidents result in serious injuries to the cyclist. Serious injuries may prevent injured individuals from seeking legal advice immediately after the injury. However, to preserve your rights, it is important to seek legal representation with an experienced personal injury attorney as soon as possible. With their help, injured parties may be able to seek compensation to cover the cost of medical care and recovery.