We All Need to Support the HIPAA Recreational Injury Technical Correction Act
Are you aware that your insurance company may be excluding you from coverage on accidents where you are on a motorcycle? It’s a crock of bull but it’s a reality. Some insurance companies refuse to cover injuries incurred while doing totally legal things, like riding motorcycles, even if you are in no way at fault.
How would you feel if you were sitting stopped on your bike at a stop light and some drunk who has already lost his license for driving drunk hits you. You were completely legal and he was completely illegal, and yet your injuries are not covered while his, if he has any, are. It can happen!
This is an issue raised more than 10 years ago by the American Motorcyclist Association, and it was presumably resolved by legislation passed by Congress in 1996. But a funny thing happened on the way to implementation: the federal agency charged with formulating the rules around the legislation wrote rules that directly contradicted the intent, making it absolutely legal for insurance companies to do this.
Well, Congress is trying again. The HIPAA Recreational Injury Technical Correction Act, Senate Bill 616, is now under consideration, and we all need to let our Congressional representatives know we want them to pass it.
The AMA makes it easy for you to tell your senator what you want. This page on their website lets you click to bring up a form letter addressed to your senators. We all need to press to make sure this legislation gets passed. Do it now! This is really important.
Tags: HIPAA Repair Bill
October 1st, 2008 at 12:11 pm
[…] Health insurance Not so much on the horizon as current, this issue has to do with efforts to pass the HIPAA Recreational Injury Technical Correction Act, and end the legal ability of insurance companies to refuse to provide benefits when someone is injured while engaged in legal but so-called “risky” activities. I’ve written about this before. […]