There are 4 coverage’s that every motorcycle policy should have.
- Liability Coverage
- Collision Coverage
- Comprehensive Coverage
- 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
- Hospital stays
- Doctor visits
- 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.