Getting into a bicycle accident can quickly turn from a peaceful ride into a stressful and expensive ordeal. When injuries occur, one of the first questions we often hear is, “Who’s going to pay for my medical bills?” According to our Raleigh, NC bicycle accident lawyer, the answer depends on several factors, including who was at fault, what type of insurance coverage exists, and the steps taken after the crash.
Insurance Coverage From The At-Fault Driver
If a motor vehicle caused the bicycle accident, the driver’s auto insurance may be responsible for covering the cyclist’s medical expenses. Most drivers carry liability insurance, which includes bodily injury coverage. This can pay for the injured cyclist’s hospital visits, surgery, physical therapy, and other related treatment. However, this process can take time. While fault is being determined and a claim is being processed, the bills can still pile up.
Using Your Own Health Insurance
In many cases, our health insurance becomes the first resource to address immediate medical costs. Even if another party is liable, health insurance can help cover urgent treatment needs. This may involve copays or deductibles, and it doesn’t prevent later reimbursement. If a settlement is reached with the at-fault party’s insurer, your health insurance provider may have a right to be paid back for what they covered. This is known as subrogation.
What Happens If No Insurance Is Available
Unfortunately, some injured cyclists face situations where no insurance coverage is available. This may happen when a hit-and-run driver cannot be located, or the cyclist doesn’t have health or auto insurance. In these cases, victims often have to pay medical bills out of pocket or work out payment plans with healthcare providers. In some states, there are victim compensation funds or government resources that might offer assistance, but options can be limited.
Why Timely Action Makes A Difference
Getting prompt medical treatment after a bicycle accident is critical not only for your health but also for your legal and financial protection. Delays in care can lead to complications and make it harder to connect your injuries to the accident. It’s also important to document everything, from medical visits to conversations with insurance companies, so you’re not left carrying the financial burden alone.
Work With Legal Help To Protect Your Recovery
Handling medical bills after a serious bicycle crash involves more than filing claims. It requires knowing what insurance coverage applies, coordinating benefits, and making sure the responsible party is held accountable. Having the right legal support can reduce stress and improve your chances of receiving proper compensation.
If you or a loved one were hurt in a bicycle accident in the Raleigh area, it’s important to understand your options for covering medical expenses and securing fair treatment. At Burton Law Firm, we’re here to help you take the next step forward. Contact our award-winning team about your bicycle accident and the following medical bills. Let’s work together to pursue the support you need.