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Motorcycle accidents often result in severe injuries, leaving victims facing substantial medical bills. Understanding how these expenses are covered and how insurers handle claims in Texas can significantly affect your recovery process.
Here, our Glen Larson Law Injury Attorneys in Austin explain.
Who Pays for Medical Bills After a Texas Motorcycle Crash?
Unlike states with no-fault insurance systems, Texas follows an at-fault insurance model, meaning the at-fault driver is responsible for damages. However, you may have to cover medical expenses upfront while awaiting an insurance settlement.
Here are the primary sources of coverage:
The At-Fault Driver’s Insurance
Texas law requires drivers to carry minimum liability insurance:
- $30,000 per injured person.
- $60,000 per accident for multiple people.
- $25,000 for property damage.
If the other driver was at fault, their insurance should cover medical expenses, lost wages, and pain and suffering—but insurers often delay or dispute claims.
Your Own Health Insurance
If you have health insurance, it may cover your medical bills after a crash. However, your insurer may later seek reimbursement (subrogation) from any settlement you receive from the at-fault driver’s insurance.
Personal Injury Protection (PIP) or MedPay
If you purchased PIP or MedPay as part of your auto or motorcycle insurance policy, these coverages can help pay medical expenses regardless of fault.
- PIP covers medical bills, lost wages, and essential services, like household help.
- MedPay only covers medical expenses and typically has lower limits.
Uninsured/Underinsured Motorist Coverage (UM/UIM)
If the at-fault driver is uninsured or underinsured, you may file a claim under your UM/UIM policy to cover medical expenses.
This coverage is optional in Texas but highly recommended for motorcyclists, given the higher risk of serious injury.
Out-of-Pocket Payments & Medical Liens
If no insurance covers your immediate medical costs, you may have to pay out-of-pocket or arrange a medical lien with healthcare providers, allowing them to be paid from your future settlement.
What to Expect from Insurance Companies
Insurance companies—both at-fault parties and yours—prioritize their bottom line.
Here’s what to watch out for:
- Delays in processing claims to pressure you into accepting a lower settlement.
- Disputes over liability, often blaming motorcyclists for the accident.
- Lowball settlement offers that don’t fully cover medical costs, lost wages, or future care.
- Requests for recorded statements that can be used against you.
- Denials based on lack of helmet use, even though Texas law allows adults to ride without one under certain conditions.
Dealing with insurance companies alone can be overwhelming.
Our experienced Austin motorcycle accident attorneys can:
- Negotiate with insurers to ensure you receive full compensation.
- Challenge unfair denials or low settlement offers.
- Help coordinate medical care through liens if needed.
- File a lawsuit if insurers refuse to pay what you’re owed.
If you’ve been injured in a Texas motorcycle accident, Glen Larson Law Injury Attorneys can help you navigate the claims process and fight for the compensation you deserve. Call our skilled Austin motorcycle accident attorneys at (512) 883-0277 or contact us online today to schedule a free consultation. We pursue dedicated, driven results for our clients, and there is never a charge to talk to an attorney. We stand ready to help you.
