Health Insurance and Bicycle Accidents in McKinney

In a personal injury case, it may be common for people to wonder whether they should use their own health insurance. While it is typically important to receive prompt medical attention following an accident, whether you should use your own health insurance following a bicycle accident may depend on the circumstances surrounding the accident.

When it comes to health insurance and bicycle accidents in McKinney, it may be critical to retain an experienced bicycle accident lawyer who could help prove liability and defend you against counter-suits. A seasoned bicycle accident attorney could also aggressively negotiate with insurance companies on your behalf and help explain how health insurance could impact your case.

Recovering Damages Through Insurance Companies

Bicycles are treated the same as other motor vehicles when they are on the road. They are expected to follow the same traffic laws as other motorists and conversely are afforded the same rights as other motorists, as stated by Texas Transportation Code §551.101. Since bicycle riders are given the same rights and obligations as other motorists, they may be able to seek compensation under another driver’s insurance policy if that driver is negligent and strikes them with their vehicle.

What if a Driver Is not Covered?

In the event that a motorist does not carry enough insurance to cover injuries and other damages they cause, a person injured in a McKinney bicycle accident may be able to recover under their own health insurance policy. Coverages in a person’s automobile insurance policy, which may include personal injury protection coverage and uninsured/underinsured insurance coverage, could protect a rider under these types of circumstances.

Health Insurance

If a person is injured in a bicycle accident in McKinney, their own health insurance could cover their medical expenses. This may include emergency medical care, radiology, and follow-up care. When another driver’s negligence causes a bicycle accident in McKinney, that person’s liability insurance could pay for or reimburses both the injured rider and their health insurance company. This may at times cause a considerable amount of confusion since health insurance companies may file a subrogation claim or lien against an injured individual to secure payment.

Pursuant to Texas Property Code §55.002, hospitals have a lien “on a cause of action or claim of an individual who receives hospital services for injuries caused by an accident that is attributed to the negligence of another person.” A person may be confused or intimidated upon receiving a lien. A well-practiced personal injury lawyer could evaluate these subrogation and lien claims for validity and could negotiate valid interests to save the plaintiff a significant amount of money.

Pursuing a Personal Injury Claim

After an accident, it may be daunting and draining to work with insurance companies since they are typically notorious for trying to deny claims. An insurance company may state that they are not responsible for paying for an accident since the cyclist was at fault or for a litany of other reasons.  They may simply not respond at all.

Pursuing payments through insurance companies might not be the only means of securing compensation. An injured cyclist may choose to pursue compensation through a personal injury lawsuit, which could cover expenses that health insurance companies may not willing to cover following a bicycle accident in McKinney.

Talk to a Bicycle Accident Lawyer About Health Insurance

Health insurance plans could be complicated and may not always be easy to understand. If you are confused or concerned about health insurance and bicycle accidents in McKinney, an experienced bicycle accident lawyer who is familiar with health insurance policies and understands how they could impact a case may be able to help. Call now to schedule an initial consultation.

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The McCraw Law Group
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Michael Taylor
Michael Taylor
19:46 12 Feb 20
McCraw Law Group is an exceptional firm and I could not ask for more than what I received with their services. All of... their staff, from the clerks to the attorneys, were extremely helpful and caring and constantly asked me if I needed anything or if I had any questions or concerns. If you need to have someone on your side and trust them to have your best interests in mind, I would place that trust in The McCraw Law Group.Would I recommend them to my friends and family? I would without a doubt.Would I like to have them on the other side of a courtroom and going against them? Absolutely Not.To the staff that handled my case, I greatly appreciate all of your work and the result speaks for itself. Thank you!read more
Justin Hansen
Justin Hansen
12:29 07 Feb 20
The staff at the McCraw law group are second to none. They are intelligent and hard working people that will do their... best to make sure you are set to recover physically, emotionally, and financially from any injury. Thank you so much!!read more
Zane Allen
Zane Allen
04:39 18 Dec 19
I was in an accident in March and had injuries resulting from the crash. Obviously my first call was to a doctor to get... checked out but was told I was going to need physical therapy. My second call was to the McCraw Law Group. They took care of all of the grunt work so that all I had to focus on was getting better. They were very communicative about the process, and better yet, they were incredibly responsive to any emails, calls, and questions. I was very appreciative and thankful for all of their hard work. They are a great group of people to work with when you’re needing the help.read more
Elisa Dean
Elisa Dean
15:38 16 Dec 19
I recommend The Mccraw Law Group to anyone who is hurt in an accident.My experience has been wonderful. They do the... best they can to get the most from the insurance company. My communications have been with Vanessa, Suzanne and Jason.Jason is very special to me. He understood my needs and was very caring and the sweetest attorney I have ever met. He was honest and did everything he could to bring my case to a conclusion.Vanessa and Suzanne are very sweet and are there to help every step of the way.read more
Fernando Salas
Fernando Salas
19:07 10 Dec 19
First time needing a lawyer. Everything went extremely smooth and quick. Mr. McCraw went to my house after my car wreck... and I knew at that point that I was in good hands. Everyone who works there are so nice and will answer any questions or concerns you have. Thank you guys for all of your help.read more
Adelyn Braswell
Adelyn Braswell
17:02 10 Dec 19
When me and my family recently got hit by a drunk driver. They helped us with everything we needed. We had so many... questions and didn’t hesitate to answer. It was our first time with any lawyer so they made everything so easy for us, and got it all done so quick. They did everything in their power to get us all the money we deserved. They were all so friendly and I would recommend them to anyone.read more
Courtney Brooks
Courtney Brooks
16:12 12 Sep 19
I had a wonderful experience from beginning to end with the McCraw Law Group. My case was accepted and I was kept up to... date on how it was proceeding, and when it came to a settlement, we got more than expected. Everyone was very kind, the court proceedings went smoothly and I was extremely satisfied. I will definitely use them again if anything else arises.read more
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