Motorcycle Accidents & PIP Insurance in the Tampa, Florida Area

Motorcycles do not fall into the definition of “motor vehicles” as defined by Florida statutes. Consequently, motorcycle drivers are not legally required to carry personal protection, or PIP, insurance.

As a result, if you are in a Tampa, Florida area motorcycle accident without health insurance, you could have a serious problem getting the medical attention you need for injuries sustained in the accident. What makes this fact even more unfortunate is the harsh reality that motorcycle accident injuries are often very serious and sometimes catastrophic.

If you own a motorcycle and a car in the greater Tampa, Florida region, you can talk to your auto insurance company about the possibility of them providing some kind of insurance coverage to pay for motorcycle accident injury medical bills. But, almost all of the time, an insurance company will refuse this type of coverage, whether you're here in Tampa or surrounding communities such as Seminole Heights, Town 'n' Country, Brandon, Lutz, or St Petersburg.

So if you find yourself in a Tampa area hospital with serious injuries from a motorcycle accident and without health insurance coverage, one of the things you'll want to do is contact a motorcycle and car accident attorney in Tampa.

You also will want to talk to a hospital administrator about receiving financial aid. It is possible that, depending on your economic circumstances, you may be able to receive Medicaid for the limited purpose of getting treatment for your injuries caused by the collision, regardless of who is at fault. The hospital has every reason to work with you because if you don't get Medicaid, the hospital will not get reimbursed for treating your injuries.

Once you leave the hospital, you're going to need further treatment, generally, for motorcycle injuries. And, while Medicaid could provide some amount of care for ongoing treatment of your injuries, it may be limited or it may not be the very best care available in Tampa, Clearwater, Sun City Center, Riverview, Carrollwood, Dade City, or your local community.

By contacting a personal injury lawyer, it will be determined whether or not there's insurance that can help pay your medical bills, and eventually any reimbursement for lost wages, occupational retraining, and pain and suffering.

If this insurance coverage is available, your law firm will be able to provide your doctors with a letter of protection that will allow you to receive the very best care while you wait for your settlement, giving you a chance to have the optimal outcome physically and financially.

Unfortunately, a lot of car drivers in Florida do not have bodily injury insurance, which would cover your motorcycle accident injuries if they were responsible for the accident. And, because you don't have PIP insurance coverage if you're injured while driving your motorcycle, it is important that you look into getting uninsured motorist coverage that will cover you in the event of an accident. Uninsured motorist coverage can provide you with similar protection as the bodily injury coverage you would hope an at-fault party would have to help pay the costs of your medical care, lost wages, pain, and suffering.

If you have any questions about motorcycle accidents, car accidents, and PIP coverage in the greater Tampa, Florida area, feel free to contact Dale Appell, P.A. for answers from an experienced attorney.