A motorcycle accident attorney can help you understand your guaranteed coverage between health insurance, motorcycle or auto insurance, and any supplemental options you have available.
As always, your health insurance may pay part of your medical care, but you are still responsible for your deductible and any related co-pays. You may also be responsible for ongoing treatments, like physical therapy, that are not covered in your plan. Also, remember, your health insurance will not cover other, non-medical losses related to your accident (like damage to property, lost wages, etc.).
In Wisconsin, your motorcycle insurance, with or without med-pay options, should cover property damage, bodily injury, and uninsured motorists. Depending on your plan, it may also reimburse you for charges your health insurance holds you accountable for (like medical deductibles and co-pays). However, without legal aid, it is difficult to understand and negotiate for the full amount you are due.
Finally, your case may fall into subrogation of benefits where you could be ultimately responsible for paying back your insurer for any healthcare costs you accrued. A motorcycle accident attorney can review your health insurance agreement to see if any subrogation claims apply and advocate on your behalf to make sure the claim is carried out fairly.