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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.
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.
“
View full answer
- Gregory R.
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