Does motorcycle insurance cover medical bills? | finder.com
Does motorcycle insurance cover medical bills?

Does motorcycle insurance cover medical bills?

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When you can receive medical coverage for a bike accident.

Your motorcycle policy may cover medical bills if you purchased medical bill or personal injury protection coverage. In addition, your medical bills may be covered by the other driver’s insurance if that person was at fault in the accident.

Are medical bills covered by motorcycle insurance?

For motorcycle insurance to cover medical bills, you need to add medical bill coverage or personal injury protection (PIP) to your policy, which is optional in some states.

If you have PIP coverage, you can file a claim to cover your medical bills from injuries related to an accident — no matter who’s at fault. Medical payments coverage would cover injuries to you or a passenger during an accident.

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Medical bills in an at-fault vs. no-fault state

Some states with “no-fault laws” allow PIP coverage for motorcycles, although it’s usually an optional coverage for bikers. That means these no-fault states cover medical bills under PIP, no matter who’s at fault in an accident. However, some “at-fault” states don’t allow insurance companies to sell motorcycle PIP coverage because motorcycles have a higher risk of accidents.

PIP usually kicks in after health insurance. You choose a limit that you’re comfortable with, and your insurance company pays up to that amount for personal injuries during a motorcycle accident.

What kinds of medical bills are covered by motorcycle insurance?

Medical bill or personal injury protection coverage cover similar types of bills. However, PIP coverage typically pays for income loss due to injuries, while medical bill coverage won’t. An example of the kinds of bills covered by motorcycle are:

  • Health insurance deductibles
  • Health insurance co-payments
  • Hospital stays
  • Doctor visits
  • Prescription drugs
  • Dental care
  • Psychiatric visits
  • Home nurse care
  • Funeral costs
  • Lost wages (PIP only)

What’s should I watch out for?

There are a few situations to be aware of as you make claims for medical payouts, including:

  • Paying your deductible first. You’ll typically need to pay your deductible before receiving benefits. Just file the medical payments so that they apply toward your deductible.
  • Policy limit maximums. You can typically choose $1,000, $5,000, $10,000 or $25,000 limits for medical payments coverage. You’ll only be covered up to your maximum.
  • Use health insurance first. Some companies require that you file your medical bills with your health insurance first. If the medical bill is completely covered, you may not need your motorcycle coverage.
  • Other drivers aren’t covered. This coverage is not meant to pay for personal injuries to other drivers involved in the accident. That’s covered by your liability insurance if you’re at fault.
  • See a doctor right away. You may need medical attention for accident-related problems that worsen over several days or weeks. Still, keep records that you saw a doctor about the issue immediately following the accident. You may also be required to follow through with doctor recommendations regarding that injury.
  • Watch out for claim deadlines. Be aware of insurance deadlines for filing a claim after an accident. Check with your insurer on your exact deadline.

Compare motorcycle insurance providers

Name Product Description Roadside assistance New car protection Available states
Progressive covers anything on wheels! Progressive offers coverage for cars, trucks, motorcycles and snowmobiles. Even Segways are covered.
Included free
Yes, cars under 3 year old & 15,000 miles
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Included free
Yes, cars under 2 years old
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Optional
Yes, cars under 1 year old & 15,000 miles
All 50 states
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Yes, cars under 1 year old & 15,000 miles
AZ, CA, IL, NJ, OR, PA, VA, WA
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Included free
Yes, cars under 2 years old
All 50 states
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
Included free
Yes, cars under 1 year old & 15,000 miles
All states except AK, DE, HI, MT, NH, VT, WY
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 20 states.
Included free
No
AZ, AR, DE, IL, IN, IA, KY, LA, MD, MI, MS, MT, NM, ND, OH, OK, OR, PA, TX, UT
The General offers affordable coverage for nearly any driver who needs car insurance.
Optional
No
All states except Hawaii, Massachusetts, Michigan and New Jersey
Known for providing insurance to high-risk customers who may have trouble finding coverage elsewhere, SafeAuto offers a lot of different discounts, from those for homeowners to good drivers.
Included free
No
AZ, GA, IL, IN, KS, KY, LA, MS, MO, OH, OK, PA, SC, TN, TX, VA
Discounts, flexible payments and a life coach that guides you to your best rates and coverage with Direct car insurance.
Optional
No
AL, AR, FL, GA, LA, MS, MO, NC, SC, TN, TX, VA
Elephant Insurance offers low-cost auto insurance with big discounts. Breaking from the national herd could save up to 40% off your current car insurance.
Optional
Not specified
IL, IN, MD, TN, TX, VA
Nationwide is among the nation’s top ten car insurance providers, offering the full range of service and a promise to be “on your side” with stellar service.
Optional
Yes, cars under 2 years old
All states except AK, DE, HI, NH, MT, VT, WY
If you’re looking for one-on-one agent support, you may be able to count on State Farm.
Optional
Yes
All 50 states

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What should I do if I get injured in an accident?

If you’re injured in an accident:

  1. Share driver information. Get the other driver’s name and insurance information. The driver’s liability coverage may pay for the medical bills.
  2. Get on-site evidence. If possible, take pictures of accident damages and injuries. Write down names and phone numbers for any witnesses at the scene.
  3. Save your medical bills. Save any records of hospital stays, doctor visits, prescription drugs and any other medical-related bills you receive. It’s best if these are itemized bills that specify the medical procedures completed.
  4. Make treatment appointments. When seeing a doctor, give details about any pain or inconsistency you feel and attend every recommended appointment. If you don’t, later medical visits for accident-related issues might not be covered because the injury may be deemed as healed.

How do I file a claim for medical bills?

To file a medical claim, you’ll first need to assess who’s at fault. Although medical payments coverage is typically a no-fault policy, you may receive coverage from the other driver’s liability coverage if that person is at fault.

To file a claim:

  1. Get cleared by a doctor that your injuries are healed.
  2. Gather all information regarding the accident and medical injuries.
  3. Contact your insurer to report the claim, or contact the other driver’s insurance company to file a claim if they were at fault.
  4. Relay as much evidence and detail as possible to prove the claim.
  5. Negotiate a fair settlement with the insurance adjuster.

How much will medical bills cost me out of pocket?

If you don’t have medical bills or PIP coverage, you can still file the medical bills with your health insurance company. Out-of-pocket costs may include a deductible, co-pay for doctor visits, prescription drugs and any specialized treatments such as physical therapy, acupuncture or chiropractic care. These costs will vary based on your health insurance company.

However, typical deductibles for specific situations such as emergency room visits may be $1,000 or more. Copays may be between $10 and $60, depending on physician specialty and service.

If you don’t have health insurance, you’ll cover the full cost of the service on your own. You may qualify for a self-pay discount. Examples of medical costs include:

TypeCost
Office visits (minor or moderate injuries)$185 to $300 per visit
Emergency room visits$500 to $700 or more.
CAT scan$400 to $700
MRI scan$500 to $1300
Echocardiogram$75 to $225

Bottom line

You may receive medical bill coverage if you added this option to your insurance policy. However, if the other driver was at fault in the accident, your medical bills are likely covered by that person’s insurance. You can also file non-covered bills with your health insurance so you don’t pay as much out of pocket.

Want to make sure you’re prepared for medical injuries? Compare motorcycle insurance coverage options here.

Get cheap bike coverage

Compare the best motorcycle insurance near you.

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Frequently asked questions

Sarah George

Sarah George is a writer dedicated to unraveling complicated topics, including medical journalism, philosophy and finance. She loves breaking down the tough stuff into simple terms that everyone can understand. In her free time, Sarah's usually sipping hot tea and talking through movie plots with her husband.

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