When you are recovering after a bad accident, your stress can be compounded if you do not have any immediate way of paying for your treatment. The lack of health insurance after a Memphis motorcycle accident does not automatically mean that treatment is forbidden or that you are on the hook for the entire cost. Board-certified lawyer David E. Gordon is available to provide guidance when it comes to the lack of health insurance coverage.
If a person does not have health insurance and is injured in a local motorcycle collision, there are two other ways to get medical treatment. The first place to look for reimbursement of your medical expenses is your own motorcycle insurance policy. This policy might have what is called medical payments coverage. This would be an amount of money, such as $1,000, $3,000, or $5,000, that applies to the medical expenses incurred, regardless of whether the biker is at fault.
The second way to cover your medical expenses is through liens on your ultimate recovery. If the injured biker was not at fault for the crash, then lawyers are usually able to arrange medical treatment with no out-of-pocket cost to the biker. The recommended doctor or medical center will supply the medical treatment needed, upon the lawyer’s promise that they will be paid at the conclusion of the client’s claim.
If you are involved in a crash with an uninsured driver, it is necessary for you to look to your own motorcycle insurance policy for protection. This protection is called uninsured motorist coverage. It is a motorcyclist’s protection against every other driver, regardless of whether that driver has his or her own insurance.
Uninsured motorist protection is probably the most important protection that a motorcyclist can have in the Memphis area. Thousands of drivers, perhaps as many as 25 percent of all drivers in Memphis, are operating their vehicles without insurance. If a local motorcyclist has a crash with a driver who lacks liability insurance, it will be vital that the biker has uninsured motorist protection in his or her own policy.
The best place to look for payment of medical treatment following an accident is a person’s health insurance policy. If an injured motorcyclist does not have health insurance, then it will be important for them to contact a personal injury lawyer like David who has relationships with medical providers around the city.
These medical providers could treat the injured person on the lawyer’s promise to pay the charges at the conclusion of the case. A motorcyclist might also have something in his or her own motorcycle insurance policy that will contribute toward medical expenses. This is called medical payments coverage. It is usually a modest amount, but a few thousand dollars might make a big difference in how a person is ultimately able to pay for the medical care they need.
One of the best ways to prepare for the possibility of an accident is to ensure proper coverage ahead of time. This means acquiring satisfactory health insurance and uninsured motorist coverage. Call the Law Office of David E. Gordon if you are concerned about the what the lack of health insurance after a Memphis motorcycle accident means for your future.