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I was injured while riding my motorcycle after getting hit by a car. Does my motorcycle insurance pay for my medical expenses, like my car insurance would if I was in a car accident?

 

A:

Unfortunately, in Pennsylvania, there is no medical coverage or PIP coverage in your motorcycle insurance policy like your car insurance policy.

Related: Who Pays For Your Medical Expenses After A PA Car Accident?

When a driver buys a car insurance policy, it is required by Pennsylvania law that he purchases medical coverage.  The minimum PIP coverage in PA is $5,000, and the driver can choose to buy a higher PIP coverage.  Regardless of who caused the car accident, the injured driver’s car insurance policy will pay for the driver’s medical expenses related to the accident, up to the limit purchased.  However, a motorcycle insurance policy in Pennsylvania does not offer medical coverage.

Because there is no PIP coverage on your motorcycle insurance policy, your medical expenses incurred as a result of the motorcycle-car accident will be paid by your health insurance coverage.  If you bought personal health insurance yourself or through work, you will submit your medical bills to your health insurance.  Therefore, you will have to pay for the deductible, if there one, co-pays for medical doctors and co-pays for prescriptions.

You can then file a personal injury lawsuit in Pennsylvania against the driver who hit you.  Part of your damages claim will include the medical expenses paid by your health insurance company, the co-pays and deductible.  It is important to note that if you recover any financial compensation from the negligent driver, your health insurance company may have a right to be reimbursed for the medical expenses it paid on your behalf.  This is the insurance company’s right to subrogate.

Even though you don’t have medical benefits on your motorcycle insurance policy, you may have purchased underinsured/uninsured motorist (UIM/UM) coverage.  If you did, this coverage offers you extra protection if the negligent driver’s liability coverage is not enough, or the negligent driver does not have any insurance to compensate you for your damages and injuries. Also see Pennsylvania UM/UIM Coverage –Why Didn’t Anyone Explain This To Me?

If you sustained serious injuries, your medical bills alone may exceed $50,000.  Let’s say the other driver only has $15,000 in liability coverage; this is not enough to compensate your for your medical bills.  You may then file a UIM claim with your own motorcycle insurance policy.  If you chose to buy $100,000 in UIM/UM coverage, then you may be able to recover $100,000 from your car insurance company, in addition to the $15,000 you recovered from the negligent driver.

If you do not have any type of health insurance, then you will have to pay for the medical expenses and recover them in a personal injury lawsuit.

It is important to talk to an experienced car and motorcycle accident lawyer about your accident to make sure that you receive the maximum financial recovery available to you.  If the health insurance company has a right to subrogate, it can become very confusing.  Feel free to give me a call to discuss your accident. 877.944.8396


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