Motorcyclists have several options to protect themselves from financial harm. That starts with the protective gear they use while riding to the insurance policies purchased to protect their bikes.
Another way to protect yourself while riding a motorcycle is to add medical payments coverage, or MedPay, to your policy. Bikers can also add personal injury protection, or PIP, when available.
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Who Pays for Medical Bills in Motorcycle Accidents?
When an accident occurs, the driver or rider who is deemed to be at fault for causing the collision is typically responsible for paying the medical bills of all injured parties.
Since some injuries can be severe, insurance protections are helpful. You’d pay a deductible, and your provider pays the rest – up to the limit your policy offers.
Without insurance, you could be held personally responsible for those costs.
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What happens if the person who hits you doesn’t have any money, assets, or insurance coverage? If you don’t have MedPay, PIP, or uninsured/underinsured coverage for your policy, you might still get stuck with the bill.
That’s why including medical payment coverage is a crucial decision. It covers many of the expenses that happen with an injury so that you’re not stuck trying to recover physically and financially.
What Type of Insurance Covers Medical for a Motorcycle Accident?
When filing a valid claim, motorcycle medical payments coverage typically pays for the following expenses.
- Any required copays that occur at the time treatment is needed.
- Health insurance deductibles must be met before coverage is extended
- Required prescriptions, including non-medication needs, at the judgment of the doctor.
- Dental expenses and oral care requirements.
- Home care needs, including rehabilitation.
MedPay doesn’t usually cover the expenses that others experienced in an accident unless you have a passenger on your motorcycle.
Your liability coverage protects you from the financial costs of medical treatments that others require after a collision. If someone hits you while riding, their liability coverage would be the first option to review for covering medical.
What Happens If I Choose No Medical Payments for Motorcycle Insurance?
If you decide not to include medical payments coverage with your motorcycle insurance, you would be responsible for paying your own treatment costs in accidents you cause.
Although some insurance options provide some support if someone hits you, there are no guarantees that the driver or rider has a current policy. You could pursue them for costs in small claims court if they are at fault for the accident, but that doesn’t guarantee you’ll get the money.
That’s why the best way to protect yourself is to add MedPay coverage to your current motorcycle insurance. You will also want to read your policy’s specific terms, conditions, and exclusions to ensure you have everything you need if the worst-case scenario occurs.
If you’re unsure of what bodily injury and medical payment cover, here is a good read.
Does Health Insurance Cover Motorcycle Accident Injuries?
In the past, health insurance used to cover injuries sustained in a motorcycle accident. Every rider needs to read their current policy to ensure this fact remains.
It is not unusual for health insurance companies to exclude motorcycle injuries from what they cover. If you don’t have any coverage and are at fault in an accident, you could be stuck with the bill.
MedPay is optional in most states, but it covers reasonable medical expenses if an accident occurs. This coverage doesn’t care who is at fault, so anyone who wants to protect themselves while riding should consider this option.