Does Health Insurance Cover NY Motorcycle Accident Injuries?

The total number of registered motorcycles in New York has increased by around 42% over the last two decades. According to the Insurance Institute for Highway Safety, there were about 260,000 registered motorcycles in the state in 2004 compared to more than 370,000 registered motorcycles in 2024.

Because of this, recent reports reveal motorcycle crashes in New York City have also increased. Roughly 3,000 New York motorcycle owners sustain injuries during accidents each year.

“Does health insurance cover motorcycle accident injuries?” is a question you may ask yourself after you suffer injuries during a motorcycle accident. See if you can count on your health insurance company to help while you’re recovering from your injuries.

What Are Some Common Motorcycle Accident Injuries in New York?

If you’ve ever been in a motorcycle accident in New York, you know how dangerous one can be. You can sustain a wide range of motorcycle accident injuries, and many are on the more serious side.

Here are several common motorcycle accident injuries in New York:

• Skin rash
• Broken bones (fractures)
• Burns
• Facial and dental injuries
• Internal bleeding
• Traumatic head injuries
• Spinal cord injuries
• Disfigurement

Seek medical treatment right away after suffering any of these New York motorcycle accident injuries. Then, start figuring out the answer to the question, “Does health insurance cover motorcycle accident injuries?”

Does Health Insurance Cover Motorcycle Accident Injuries in New York?

More and more New Yorkers and those in other parts of the U.S. are discovering that the answer to the question, “Does health insurance cover motorcycle accident injuries?” is, unfortunately, “no.” Many health insurance companies started to include clauses in their policies in recent years excluding coverage for those involved in motorcycle accidents.

Check your policy to see if it has a clause like this in it. If it does, you likely can’t rely on your health insurance company to help you cover medical costs stemming from a motorcycle crash.

New York has a no-fault law that benefits those injured in other types of motor vehicle accidents. However, motorcycle owners aren’t protected under this law. Only pedestrians hit by motorcyclists can take advantage of it and secure compensation to pay medical bills.

Despite all this, you may find that you have a great health insurance plan that covers the costs associated with New York motorcycle accident injuries, especially if you weren’t to blame for an accident. But the state hasn’t done much to help motorcycle owners when it comes to securing reliable coverage for accident injuries.

How Can a New York Motorcycle Accident Lawyer Help With Your Insurance Claim?

Trying to find out if health insurance covers motorcycle accident injuries in New York presents a significant challenge. Everything from the circumstances surrounding your crash to the specific health insurance policy you have can impact whether your health insurance company helps you pay medical bills.

Make sense of your situation by enlisting the personal injury services of a motorcycle accident lawyer. They can take a closer look at your personal injury case, investigate your accident, and determine which insurance company should foot the bills for your injuries. If your insurance company refuses to pay, they can help you consider taking legal action. 

Allow Our Motorcycle Accident Attorneys To Assist You

Recovering from your injuries following a motorcycle accident can be difficult enough. The last thing you need is your health insurance company or other insurance companies giving you the runaround. Cantor, Wolff, Nicastro & Hall LLC can aim to secure you coverage so you aren’t stuck wondering, “Does health insurance cover motorcycle accident injuries?” on your own.

Call us at 716-848-8000 or contact us online to arrange a free consultation.