Do I need medical payments or higher limits for uninsured/underinsured motorist coverage if I have good health insurance?

I have good health insurance and am planning on getting a motorcycle. Should I add medical payments coverage and higher limits for underinsured/uninsured motorist coverage? I have it on my car insurance, but it's way less expensive than what it'll be on my motorcycle policy.

Answer
“The risk of an accident or injury on a motorcycle is higher, which is why coverage is often more expensive on motorcycle policies.
If you are able to afford medical payments coverage and uninsured/underinsured motorist coverage, you should get them.
While you may have good health insurance, medical bills can be extremely expensive. This is especially true as any injuries on a motorcycle are likely to be worse than if you were in a car. Having the additional coverage will ensure you don’t get stuck with high medical bills if you reach your health insurance maximums.
If you do get into an accident with someone who doesn’t have insurance or doesn’t have enough insurance, you’ll be covered by your own policy. This means you won’t be required to pay out of pocket for any damages or injuries that occur.
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Emily Maracle
Answered on May 10, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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