Medical Payments Insurance For Motorcycle Riders

What Is Motorcycle Medical Payments Insurance?

As the name implies, this insurance helps cover the medical-related expenses you incur from a motorcycle accident, even if you're at fault. It doesn't cover the medical costs to treat injuries to others you caused when riding your cycle; that's for bodily injury insurance.

But, medical payments does cover a variety of out-of-pocket expenses related to personal injury and other medical bills that may not (or definitely won't be) covered in your health insurance policy, such as:

• Health insurance deductibles

• Co-payments

• Dental care

• Psychiatric visits

• Prescription drugs

• Home-nurse care

• Funeral costs

Medical payments insurance can also pay for your medical costs when you're injured in an auto accident as a pedestrian or when riding a bicycle.

How Much Does Medical Payments Coverage Cost?

It's relatively inexpensive to add this coverage to motorcycle insurance policies. The coverage limits are usually set on the low end, so there's not a lot of risk for the carrier.

Keep in mind this insurance isn't meant to replace your health insurance; instead, you should view it as supplemental coverage.

For instance, let's say you have a $5,000 medical payments coverage on your motorcycle policy. You're injured in an accident and require a hospital stay. But, your health insurance carries a $3,000 deductible, and co-pays after that.

Your medical payments coverage would take care of your deductible, and you'd be able to apply the remaining $2,000 worth of coverage towards your co-pays or other medical-related expenses.

Where to Buy Medical Payments Motorbike Insurance

You can purchase this coverage from almost any carrier that offers insurance for motorcyclists, which includes most auto insurance companies.

Along with property damage, bodily injury, comprehensive, collision, and underinsured/uninsured coverages, medical payments can form a complete insurance policy that will help financially protect you from whatever happens on the road while driving your cycle.