As an experienced rider, you understand the thrill of the open road—and the inherent risks. If you're a Maryland resident who has recently been in a motorcycle accident, the physical recovery is just one part of the challenge. The mounting stack of medical bills can feel overwhelming, but you don't have to face this financial burden alone. Here is a compassionate guide to successfully handling your medical bills after a motorcycle crash.
1. Understand Your Insurance Coverage: PIP vs. Health Insurance
Motorcycle insurance often differs from standard auto insurance, especially regarding Personal Injury Protection (PIP).
PIP (Personal Injury Protection): In Maryland, PIP is typically offered but is optional for motorcycle policies. If you purchased it, PIP is "no-fault" insurance, meaning it covers you and your passengers' medical expenses up to your policy limit, regardless of who caused the accident. This is often the quickest source of initial payment for medical bills.
Health Insurance: If you don't have PIP or if your medical bills exceed your PIP limit, your personal health insurance will become the primary payer. Keep in mind that your health insurance company may have a right to be reimbursed (a process called subrogation) if you later recover damages from the at-fault party.
Action: Gather all your insurance documentation—motorcycle, health, and any umbrella policies—and review them with a legal professional.
2. Document Everything, Immediately
Success in handling your medical claims is built on meticulous documentation. Treat this process like the dedicated professional you are.
Medical Records: Keep copies of every medical bill, receipt, EOB (Explanation of Benefits), prescription, and physical therapy appointment.
Correspondence: Keep a detailed log of every call, email, or letter with insurance adjusters, doctors' offices, and billing departments. Note the date, time, person you spoke with, and the key points discussed.
Injury Tracking: Maintain a journal detailing your pain levels, missed workdays, and how your injuries impact your daily life. This documentation is crucial for proving the full extent of your damages.
3. Hold Off on Paying Out-of-Pocket (If Possible)
If you know the other driver was at fault, you may be tempted to pay the bills yourself to stop the calls. However, it's often best to let your motorcycle or health insurance process the bills first. Once you hire an attorney, they can communicate with providers to assure them that payment will be made from the eventual settlement or verdict.
Crucial Note: Never give a recorded statement or sign any release forms from the other driver's insurance company without first consulting an attorney. They are dedicated to minimizing their payout, not maximizing your recovery.
4. Focus on Recovery, Let Your Dedicated Team Handle the Fight
A serious motorcycle accident introduces significant legal complexity. Successfully recovering compensation for your medical costs, lost wages, and pain and suffering requires proving negligence and skillfully negotiating with large insurance companies. This is where dedicated legal representation makes all the difference.
You deserve to focus entirely on your physical and emotional recovery while a team of successful, compassionate professionals navigates the legal maze for you.
Your Next Step Towards Financial Relief
Don't let the weight of medical debt prevent you from seeking the care you need. If you are a Maryland resident recovering from a motorcycle accident, the dedicated team at Miller Stern Lawyers LLC is ready to fight for your comprehensive financial recovery. Our firm is committed to helping you navigate the complex legal and financial landscape following a serious accident. We lift the burden of medical bills so you can focus on healing.
Call us today at (410) 529-3476 for a successful and compassionate review of your case.