After you have a bicycle crash, medical bills might begin to stack up. One of the first worries that people have has to do with money. How can you pay for those medical bills? It all depends on the extent of the crash and the injuries. Next, you have to deal with the insurance companies. Here is what you should know about insurance coverage after a bicycle accident.
Insurance Companies
First, you will deal with your health insurance coverage. Your health insurance company covers your visits to the doctors and hospitals. Of course, you will have to check with your insurance company over what is covered. If you’re confused by anything, you can speak to your health insurance provider or an attorney to discuss what you need to pay for. What your health insurance will pay for depends on the policies that you have.
The other insurance company that you have to deal with is the driver’s insurance company. Odds are, the driver’s insurance company will try to contact you. They will be interested in your side of the story. It’s important that you do not talk to them. The driver’s insurance company does not have your best interest in mind. They want to avoid paying as much money as possible. The company will look for any inconsistency in your story to use against you. They may even offer you a lower settlement than you deserve.
Before you speak to an insurance company, it’s better to speak with a professional on how to deal with the company. The best person that can help you with these conversations is an attorney. He or she will be able to advise you on the steps that you should take and assist you in getting the best possible reward.
Lawsuit Pursuit
Even if your insurance pays for some of your medical bills, you should still pursue the driver for damages. An attorney can advise you on whether you should take the case to court. Often, you may be able to settle out of court. If you do go to court, however, an attorney can help.
When it comes to bicycle accidents, your health insurance may pay for your medical bills. It all depends on your health insurance coverage and policy. Even if you have health insurance that pays your medical bills, you should still pursue the damages that you’re owed from the other driver. Never settle for less than you deserve. Contact a bicycle accidents lawyer today.