Health insurance policies vary widely, but most offer coverage for medical expenses resulting from motorcycle accidents. However, the extent of this coverage can differ based on the specifics of your policy.
Unlike other types of insurance, this coverage doesn't extend to lost income, non-medical costs, or the physical and emotional suffering that can result from a motorcycle accident.
For motorcycle accidents, health insurance covers:
- Emergency services: Health insurance typically covers emergency room visits, surgeries, and hospital stays related to accident injuries.
- Diagnostic procedures: This can include X-rays, MRIs, doctor evaluations, and other diagnostic procedures.
- Ongoing care: This can include physical therapy, follow-up appointments, and any necessary rehabilitation services.
- Prescription medication: Medications needed for pain management or to treat injuries from the accident are usually covered.