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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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