Will Your Motorcycle Insurance Cover Medical Fees?

​Motorcycle insurance protects you financially from unwanted accidents and occurrences. But many riders are asking if motorcycle insurance covers medical bills. It depends on the coverage you have. The coverage required by law in most states, called basic liability insurance, doesn’t cover accident damages to you or your motorcycle.

However, medical payments coverage and personal injury protection cover your medical bills due to an accident, even if you are at fault. Health insurance allows these extra motorcycle coverages to offer another layer of protection. Here are the standard, basic, and optional motorcycle coverages:

• Total replacement cost and no depreciation for parts
• Accessories and custom parts/equipment
• OEM parts
• Bodily injury and property damage liability
• Uninsured/underinsured motorist
• Comprehensive and collision
• Medical payments
• Total loss coverage for a new motorcycle
• Roadside assistance and trip interruption
• Carried contents
• Disappearing deductible
• Enhanced injury protection

Does health insurance coverage include motorcycle accident injuries?
Some health insurance exempts motorcycle injuries from coverage. Adding medical payments coverage or PIP could help with your health insurance coverage. Without medical coverage through your motorcycle insurance policy, you may need to pay thousands of dollars out of your pocket. But all these can be avoided with health insurance as your primary payment method for motorcycle injuries.

Do you need medical payment coverage for motorcycle insurance?
If your health insurance has a high yearly deductible or doesn’t cover motorcycle damages, you may want to add PIP or Med Pay.  Even if your insurance offers low-cost motorcycle injuries, you can extend your medical bills coverage benefits.

PIP can cover non-medical expenses such as increased childcare or lost wages that resulted from the accident. But if you frequently ride with a passenger, PIP, or Med, Pay can also cover the person riding with you. It can help them get the care they need without leaving you responsible for paying for their injuries. 

Get the right motorcycle insurance coverage today!
Motorcycle injuries are often severe and could cost you considerable money at the top of your piling problems. Get motorcycle insurance coverage from Priority Insurance LLC today for another layer of protection for you, your bike, and your wallet. 

At Priority Insurance LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get insurance that fits your needs. You can get more information about our products and services by calling our agency at (864) 297-9744. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!