Medical coverage on your MC policy
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Road Captain
Joined: May 2018
Posts: 688
Likes: 200
From: In my own world
Medical coverage on your MC policy
Wondering how many really knows what they have for medical coverage on their motorcycle policy?
can you post what you have for medical on you the rider and what insurance company?
Also it's a great time to confirm with them what you really have and if your "Wife" is covered or not as a passenger.
I think many would be shocked if you don't know for sure, Then find out if or when you really need it.
Just curious what people have and from what ins. Co.
can you post what you have for medical on you the rider and what insurance company?
Also it's a great time to confirm with them what you really have and if your "Wife" is covered or not as a passenger.
I think many would be shocked if you don't know for sure, Then find out if or when you really need it.
Just curious what people have and from what ins. Co.
Sponsor
Joined: Jul 2015
Posts: 8,538
Likes: 1,646
From: SF Bay area
Mine is Allstate, $5k.... pretty much useless really. I don't worry about it as myself & my wife have full medical through work.
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Grand HDF Member
Joined: Jul 2007
Posts: 3,730
Likes: 8,484
From: Bates County MO
I discovered ( the hard way) that "medical payment coverage" on a motorcycle policy is for any one you hit, not you. There may be a small cash payment, maybe $1,000, to cover an ambulance ride. They expect you to have separate health insurance to cover your injuries.
Last edited by rigidthumper; Jun 17, 2018 at 12:42 PM.
Sponsor
Joined: Jul 2015
Posts: 8,538
Likes: 1,646
From: SF Bay area
I discovered ( the hard way) that "medical payment coverage" on a motorcycle policy is for any one you hit, not you. There may be a small cash payment, maybe $1,000, to cover an ambulance ride. They expect you to have separate health insurance to cover your injuries.
"Automotive medical payments coverage can help pay for some of your medical costs or funeral expenses if you or anyone in your vehicle is injured in a covered accident.Allstate will help pay for medical services you receive within one year of the accident. This coverage also applies if you're a pedestrian struck by a car.Your coverage may include hospital bills, surgeries, x-rays, dental, pharmaceuticals, nursing services and more due to an injury from an auto accident."
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Outstanding HDF Member
Joined: Sep 2011
Posts: 2,979
Likes: 1,165
From: No where near you, OH
I have $25,000 medical coverage through Progressive and $20,000 to cover funeral expenses if that should happen. Nowadays though if it's serious enough injuries $25,000 isn't nearly enough. Little over a year ago I got hit by a left turner. Broke a bunch of stuff and my hospital bills were ten times that.
Road Warrior
Joined: Sep 2014
Posts: 1,271
Likes: 246
From: Columbia SC
I don't carry coverage for medical payments on any of my vehicles, to me it's pretty much worthless.
I think some of mixing up the liability which is required by law.
For liability on the bike I carry 100 300 and my vehicles 250/500 in all three categories liability, underinsured and non insured.
I think some of mixing up the liability which is required by law.
For liability on the bike I carry 100 300 and my vehicles 250/500 in all three categories liability, underinsured and non insured.
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