Unlicensed Motorcycle Rider
Get Legal Help Today
Secured with SHA-256 Encryption
Unlicensed Motorcycle Rider
I asked this question “In the state of Indiana….. Also, if he is unlicensed, will their personal health & hospitalization insurance cover any injuries. Thank You” …and the answer I received “I can answer half of this. Your health and hospitalization insurance will almost certainly cover you, even if you drove while unlicensed so long as you were not injured in the course of committing a crime.”….So the second part of my question is…..IS RIDING A MOTORCYCLE WITHOUT A MOTORCYCLE LICENSE NOT “COMMITTING A CRIME” SINCE IT A LAW TO HAVE A MOTORCYCLE LINCSE ?? Thank You (#595)
Asked on April 17, 2009 under Insurance Law, Indiana
MD, Member, California Bar / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
Well, okay, not a proper response to begin with. You were the unlicensed motorcycle rider? If so, your health insurance should cover you even if you were at fault for the accident. I think the issue is what does your health insurance coverage say? Review the policy. Back to front. Further, if you think your health insurance coverage is committing bad faith in covering you, contact the Dept of Insurance in your state, which is: http://www.in.gov/idoi/
In terms of health insurance:
Sec. 3. (a) A contract referred to in section 1 of this chapter must clearly state the following:
(1) The name and address of the health maintenance organization.
(2) Eligibility requirements.
(3) Benefits and services within the service area.
(4) Emergency care benefits and services.
(5) Any out-of-area benefits and services.
(6) Copayments, deductibles, and other out-of-pocket costs.
(7) Limitations and exclusions.
(8) Enrollee termination provisions.
(9) Any enrollee reinstatement provisions.
(10) Claims procedures.
(11) Enrollee grievance procedures.
(12) Continuation of coverage provisions.
(13) Conversion provisions.
(14) Extension of benefit provisions.
(15) Coordination of benefit provisions.
(16) Any subrogation provisions.
(17) A description of the service area.
(18) The entire contract provisions.
(19) The term of the coverage provided by the contract.
(20) Any right of cancellation of the group or individual contract holder.
(21) Right of renewal provisions.
(22) Provisions regarding reinstatement of a group or an individual contract holder.
(23) Grace period provisions.
(24) A provision on conformity with state law.
(25) A provision or provisions that comply with the:
(A) guaranteed renewability; and
(B) group portability;
requirements of the federal Health Insurance Portability and Accountability Act of 1996 (26 U.S.C. 9801(c)(1)).
(26) That the contract provides, upon request of the subscriber, coverage for a child of the subscriber until the date the child becomes twenty-four (24) years of age.
(b) For purposes of subsection (a), an evidence of coverage which is filed with a contract may be considered part of the contract.
As added by P.L.26-1994, SEC.25. Amended by P.L.91-1998, SEC.22; P.L.218-2007, SEC.50.
IMPORTANT NOTICE: The Answer(s) provided above are for general information only. The attorney providing the answer was not serving as the attorney for the person submitting the question or in any attorney-client relationship with such person. Laws may vary from state to state, and sometimes change. Tiny variations in the facts, or a fact not set forth in a question, often can change a legal outcome or an attorney's conclusion. Although AttorneyPages.com has verified the attorney was admitted to practice law in at least one jurisdiction, he or she may not be authorized to practice law in the jurisdiction referred to in the question, nor is he or she necessarily experienced in the area of the law involved. Unlike the information in the Answer(s) above, upon which you should NOT rely, for personal advice you can rely upon we suggest you retain an attorney to represent you.