Personal Injury Projection (PIP) ~ Motorcycle Insurance

If you’re involved in an accident, regardless of who’s at fault, personal injury protection insurance can help pay for your medical expenses. Also known as PIP, this insurance coverage is required in some states – particularly states that have no-fault insurance systems!

This type of motorcycle insurance coverage is available from most insurance companies, and it can be useful, even if you have health insurance.

Below is information about personal injury protection 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.

Personal Injury Protection Insurance For Motorcycles
Personal injury protection is a type of insurance coverage that can be included (or required) in motorcycle insurance policies, in some states. PIP is designed to cover accident-related medical expenses, for you and your passenger. PIP can also cover lost wages and other expenses.

What Does Personal Injury Protection Insurance Cover
In the event of a motorcycle accident, personal injury protection covers medical expenses and more.

Medical Expenses: PIP typically covers hospital visits, doctors visits, surgeries, and other medical treatments.

Lost Wages: If the injuries that you sustained in a motorcycle accident prevent you from working, personal injury protection can help cover a portion of your lost income.

Other Expenses:  Depending on the insurance policy, PIP might also cover rehabilitation costs, mental health care, and expenses such as childcare or housecleaning (if your injuries from the accident prevent you from performing these tasks).

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

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

PIP 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 Personal Injury Protection Insurance Coverage
There are several distinct advantages to having personal injury protection coverage.

Coverage Regardless Of Fault: One of the key features of personal injury protection insurance 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: PIP often provides quicker payouts, because the insurance company doesn’t need to wait for a determination of fault in order to start paying bills.

Supplemental Coverage: Even if you already have health insurance, PIP can act as supplemental insurance, potentially covering deductibles, co-pays, and other expenses.

Rehabilitation Services: Personal injury protection insurance may cover the costs of rehabilitation services, such as physical therapy.

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

Cost Of Personal Injury Protection Insurance
The cost of personal injury protection 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 PIP 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 Personal Injury Protection Coverage Limits
When choosing how much personal injury protection insurance coverage you need, consider your personal health insurance coverage (if you have any), as well as your health insurance deductible 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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Personal injury protection is required in some states, particularly states with a no-fault insurance system. In these states, PIP is mandatory coverage for all vehicles, including motorcycles.