Coordination of Benefits for Motorcycle Claims
Injured Motorcyclists and Health Insurance Plans
If the injured motorcyclist carries a health insurance plan, the health insurance plan may be legally required to cover some of the medical expenses involved in treating injuries the motorcyclist sustained in the accident.
- Motorcycle Insurance Requirements
- Motorcycle Accident & PIP Benefits
- Motorcycle Accident & Insurer Priority
- Optional Insurance Coverage for Motorcycles in Michigan
- Liability Claims for Motorcyclists
- Collision Damage to Motorcycles
- Michigan Motorcyclists Injured in Out-of-State Accidents
- Insurance Coverage Recommendations for Motorcyclists
This will largely depend on whether the health insurance plan is written to provide a “coordination of benefits,” which will establish the priority of insurers in paying for medical care and other costs under the policy. In most cases where health insurance plans have this coordination of benefits language, the health insurance plan will be secondary to the No-Fault insurer with regards to the priority for paying health care expenses.
In those rare situations where an injured motorcyclist is required to collect no-fault PIP benefits from his or her auto no-fault insurer because the motor vehicle involved in the accident was uninsured, the injured person’s auto no-fault insurance policy may, under certain circumstances, be coordinated with health insurance coverage, which would then make the health insurance coverage primary and the no-fault coverage available only to pay those medical expenses not paid by health insurance.
This is an extremely complex area of the law, and you should discuss your insurance plans and the types of coverage they provide with an attorney, to ensure that you are receiving the full range of benefits to which you are entitled.
To learn more about the coordination of benefits between no-fault policies and health insurance plans, please click here.