Do I need Medical Payments coverage on my motorcycle policy?

There are 4 coverage’s that every motorcycle policy should have.

  1. Liability Coverage
  2. Collision Coverage
  3. Comprehensive Coverage
  4. And Medical Payments Coverage

In Massachusetts, you can file a claim under your Personal Injury Protection (PIP) coverage for medical expenses that result from an auto accident.  The maximum amount of coverage available under this part is $8,000. If you have Health Insurance, the maximum amount that an insurer will pay under this coverage is typically capped at $2,000.

However…you are NOT ELIGIBLE for PIP coverage in Massachusetts when you are driving or riding on a motorcycle or motorized bike.

That is why you want to purchase Medical Payments coverage on your motorcycle insurance policy.

Medical Payments coverage will pay for medical expenses from injuries in a motorcycle accident.  This coverage can be primary if you do not have health insurance, have a high deductible plan, if you are on Medicare or Medicaid, or if a motorcycle-related injury is excluded from your health insurance.

Medical Payments coverage starts at $5,000, but can be offered as high as $25,000 (or more) depending on your insurance carrier.

By having Medical Payments coverage, you have money to pay for things like:

  • Health insurance deductibles
  • Co-pays
  • Hospital stays
  • Doctor visits
  • Prescriptions
  • Dental Care
  • Home nurse care
  • Funeral Costs


Medical payments coverage helps with out-of-pocket expenses that health insurance plans normally don’t cover.

It is available for the benefit of the driver of the motorcycle as well as any passengers that are injured in a motorcycle accident.




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Are you ready to save time, aggravation, and money? The team at Richardson Insurance is here and ready to make the process as painless as possible. We look forward to meeting you!

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