Does motorcycle insurance cover medical bills?

Does Medicare cover motorcycle accidents?

Typically, yes. Medicare and Medicaid generally cover motorcycle injuries like private health insurance plans. However, you may be subject to additional co-pays, deductibles, or payment limits.

How is medical payments coverage vs. personal injury protection different for motorcycle insurance?

Both medical payments coverage (Med Pay) and personal injury protection (PIP) can pay for medical bills that result from a crash on your motorcycle, regardless of who was responsible for the accident. Med Pay only covers medical bills, while PIP can also pay for other financial losses, such as lost wages if you can't work, require at-home care, and more. Medical payments coverage is available in virtually all states as an optional coverage. On the other hand, PIP is required in some states, available as an option in other states, and not available at all in the remaining states.

It’s important to note that states sometimes have different requirements for cars and motorcycles, so be sure to check your state’s requirements. Learn more about motorcycle insurance coverages and what's required and motorcycle insurance requirements by state.

Does health insurance cover motorcycle accident injuries?

Health insurance can, and often does, cover motorcycle injuries, but it doesn't have to. Some policies specifically exempt motorcycle injuries from coverage. Even if your health insurance covers motorcycle accident injuries, adding medical payments coverage or PIP could help with coverage. Depending on the details of your health insurance plan, co-pays and deductibles can add up quickly, especially if you need to make separate visits to see a doctor or to see specialists.

Not all health insurance plans cover longer-term care like physical therapy, either. Without medical coverage through your motorcycle insurance policy, you may have to pay hundreds or thousands of dollars out of pocket for care. If you end up using your health insurance as your primary payment method for your motorcycle injuries, medical payments coverage and PIP may even be able to pay your co-pays, deductibles, or other costs associated with the accident.

How are medical bills for a motorcycle accident covered?

It depends on the state and your situation. For instance, in states where PIP is required, each person's insurance pays their medical bills through PIP coverage. In other states, you may decide to establish who is responsible for the accident before you start making claims (if you want to get the other party to pay for your damages). You may also choose to make a claim through your own medical payments coverage or PIP coverage to get a faster response.

If you have expensive health bills and other health insurance, you may want to file a claim on your health insurance plan as well as your medical payments coverage or PIP. Medical expense coverages from your motorcycle policy can also cover co-pays and deductibles that you have to pay through your health insurance policy.