WhyBike Motorcycle Blog

Underinsured Motorist Coverage and Health Insurance

By James - 4/12/2007

Ralph was recently in a motorcycle accident and had a question about what happens when you need to use your underinsured motorist coverage.

I was in an accident and Blue Cross settled with the other guy’s insurance company but didn’t give a full and final release. Now, they want to recoup more from my UIM coverage. Can they do that? They collected $15,000 (policy limit) from the driver of the truck that hit me. Blue Cross paid the hospital a total of $33,000. I have $30,000 in uninsured and underinsured motorist coverage. My agent told me how to file the claim but now Blue Cross has filed a lien with my motorcycle insurance company for $18,000. I thought they could only go after the third party.
This is quite common. Your health insurance wants to be paid back and assuming that the driver has nothing to sue for, they will get it from your underinsured insurance coverage. That is what it is for. In some policies, they would be going after you if you did not have UIM coverage. Had you gone after the guy in civil court your heath insurance would want part of that. Remember to file a claim for lost wages as well. That is a commonly overlooked source of relief for accident victims.

I suggest you talk to your insurance agent and ask if your premium will increase; it should not. They will inform you on the next steps and let you know your options. But as with every insurance company interaction you will want to be informed so check the internet for more resources. Keep all your receipts and make sure to document every doctor visit and expense.

I hope you heal up and are able to get back on the road soon.



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  1. If you drive a motorcycle , you need to buy insurance. In many areas, it’s mandated by law, and in any case, its worth protecting yourself against the high costs of accidents.

    Comment by Drug rehabilitation — 1/11/2008 @ 12:51 pm

  2. I say always wear a helmet and always have insurance. It is the only way to protect you and your family from the high costing medical bills from an accident. Of course you could always not ride. Yeah Right.

    Comment by Drug treatment — 8/13/2009 @ 10:17 am

  3. Health insurance is a must. Regardless if you ride or not. If you plan to smoke or drink make sure you have health insurance can the two can cause addiction and health problems later in life.

    Comment by Drug Recovery — 12/21/2009 @ 4:24 pm

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