Insurance claim question

So I finally went to the doc in a box today after dumping the bike Monday morning and the insurance lady wanted me to fill out insurance information so they could possibly file a claim with State Farm. I can see if someone else caused it, but this is self inflicted. Would my auto insurance be able to pay for any of this? I'm thinking no. I have medial on my truck, but not on the bike. All I can see it doing is raising my rates. There was no police report filed. I really don't think they need to know about this. It's a $450 bike with liability only. Can they raise my rates is the hospital files a claim?

I ran across the same issue when I crashed during motocross. They just want to know if another party is responsible for your accident. No reason to give them your vehicle insurance information, that is what medical insurance is for.

I wouldn't want to document any unnecessary accident info with my auto insurance.

Depends on what state you are in, each state has different laws. The coverage is called PIP (personal injury protection) or MEDPAY. In many states, this coverage would be the primary source of coverage for this doctor bill. For example, in PA you'd have no choice but to file the claim. If your personal health insurance found out the bill was from an auto/motorcycle accident, they'd reject it and refer you to your auto policy. Typically it will not cause any change in your rates. Every state has slightly different rules, but in general the policy on the bike is primary coverage.

So yes, I'd turn it in to your auto carrier. No reason to be paranoid about giving them any info.

IF you know for sure, that you dont have coverage, dont file the claim. You may not have any coverage at all depending on the terms of your hospitalization insurance so this expense may come from your back pocket. The hospital only wants to get paid; they dont care where the money comes from and dont know the details of your cycle policy.

Yup. Just checked with the insurance. NO medical on the bike. They don't know about my spill. The medics can eat it. I'm filling out N/A on most of the stuff.

This is called subrogation if one insurance company pays a bill then sues another entity to get their costs back. I am assuming that you have medical coverage through your work etc.

Assuming you do, the medical people want a secondary pocket to pick if #1 comes up dry and yes they have been known to file duplicate claims. So I would look them in the eye and say 'why do you ask? You have my medical insurance already on file and it is suppoed to pay my bills'.

I have encountered this once before, BCBS wanted me to agree to possibly sue the USDA Forest Service after I broke my leg riding in the woods. They threatened to cut off my insurance benefits if I didn't agree, I refused to sue the FS and told BCBS to go ahead and do what they needed to do because I would sue them not only for my bills but for damages as well. After that, crickets