Why do I need medical payments coverage for my motorcycle if I have health insurance?
I have health insurance and I don't see the point in buying medical payments coverage. I drive a motorcycle and my health insurance doesn't consider this to be a high-risk activity. Would this cover my health insurance copays?
“Even though you have health insurance, you can still benefit from medical payment coverage. Medical payments coverage will cover you even if you’re at fault.
While your health insurance company does not consider driving a motorcycle to be a high-risk activity, you are more likely to be injured while riding a motorcycle than driving a car.
Due to this increased risk, any additional coverage can help. If you have medical payments coverage, it can help cover your copays or deductibles.
It’s also less likely to require you to pay out of pocket. Your health insurance plan may require you to pay any bills and then submit claims to be reimbursed. This could create financial hardship until you’re able to be reimbursed.
You can never have too much insurance coverage. If you can afford to have medical payments coverage on your policy, you should consider buying it. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
Can I purchase a car without a driver's license?
"I want to buy my neighbor's car before he leaves Michigan, but I don't have my driver's license yet. Can I still buy the car and register it, and then wait until I have the license to drive it? "
Apr 13, 2021
What is better for my 2018 Audi, collision coverage or uninsured motorist property damage?
I have the option of choosing either uninsured motorist property damage or collision coverage. My collision deductible would be $1,000. My uninsured motorist property damage would have a deductible, but it would be capped at $3,500. What would be better to add?
May 10, 2021
Can I switch to another insurance company if my rate goes up after an accident?
I got in an at-fault accident this year and my monthly rate jumped by $80 when my policy was renewed. Can I switch to another insurer for a better price?
Apr 12, 2021