Medical Payments (MedPay) ~ Motorcycle Insurance

Given that most motorcycle accidents result in injuries, medical payment insurance just makes sense.

Also known as MedPay, medical payment insurance pays for medical expenses if you’re in a motorcycle accident, regardless of who’s at fault.

This type of motorcycle insurance coverage is available from most insurance companies, and it can provide you with a crucial safety net if you’re injured in a motorcycle crash.

Below is information about medical payments insurance, what most motorcycle insurance companies will cover with it, what isn’t covered, how much it costs, and how to choose the right coverage limits.

Medical Payments Insurance For Motorcycles
Medical payments insurance is designed to cover medical expenses and funeral expenses for you and your passenger after an accident. Due to the exposed nature of motorcycles and the high probability of injuries, MedPay insurance coverage can be very helpful.

What Does Medical Payments Insurance Cover
MedPay typically covers medical expenses (and sometimes funeral expenses), in the event of a motorcycle accident.

Medical Expenses: MedPay typically covers hospital visits, surgery, X-rays, dental work, and professional nursing services. It can also cover medical prostheses and ambulance fees.

Funeral Expenses: In the case of a fatal accident, MedPay may cover funeral and burial expenses.

What Doesn’t Medical Payments Insurance Cover
MedPay is designed to help pay your medical bills and those of your passenger.

Medical payments insurance typically doesn’t cover:

  • injuries to others (you’ll need liability insurance)
  • damage to other people’s property (you’ll need liability insurance)
  • damage to your own property (you’ll need collision insurance and/or comprehensive insurance)
  • pre-existing health conditions (that existed prior to the motorcycle accident)
  • injuries sustained while riding under the influence
  • injuries sustained while racing, performing stunts, or riding competitively
  • injuries sustained while committing a crime

Benefits Of Medical Payments Insurance Coverage
There are several distinct advantages to having MedPay coverage.

Coverage Regardless Of Fault: One of the key features of MedPay is that it provides coverage regardless of who’s at fault in the accident. This means that even if you’re responsible (or partially responsible) for the accident, you can still receive medical benefits.

Prompt Payment: MedPay often provides quicker payouts, because the insurance company doesn’t need to wait for a determination of fault in order to start paying bills.

Flexibility: MedPay can be used to cover deductibles and copayments that aren’t covered by your health insurance policy.

Passenger Coverage: MedPay extends to passengers, offering them protection , too.

Cost Of Medical Payments Insurance
The cost of MedPay coverage varies from company to company, but it’s generally based on some or all of the factors listed below.

Policy Limits: With most insurance companies, you can choose your level of MedPay coverage, and the higher your limits, the higher your premiums.

Rider History And Record: How frequently you ride and where you ride can impact the cost of your premiums, as can your personal history of accidents and traffic violations.

How To Choose The Right Medical Payments Coverage Limits
When choosing how much MedPay insurance coverage you need, consider your personal health insurance coverage (if you have any), as well as your health insurance deductibles and co-pays.

Check With Your Insurance Agent Or Company
Please note that the information provided above is for informational purposes only. For the most accurate, up-to-date, specific information, check with your insurance agent or insurance company.

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Injuries sustained while you’re riding under the influence, racing, performing stunts, or competing, typically are NOT covered by MedPay insurance.