This month I want to address an issue that I have not discussed in detail before, but it is one that comes up constantly when answering questions for clients and those of you who e-mail and call with your questions, and this about motorcycle personal injury insurance.
The issue is that of medical payment coverage or what is commonly referred to as PIP (personal injury protection) coverage. As most of you are aware, your auto policies, in contrast to your motorcycle policies, require $5,000 in medical payment coverage in Pennsylvania, and normally $250,000 in medical payment coverage in New Jersey. However, in New Jersey, most policies have a deductible and 20% co-pay up to the first $5,000, whereas in Pennsylvania there are no co-pays or deductibles.
How Motorcycle Personal Injury Insurance is Different
Motorcycle policies, on the other hand, rarely, if ever, contain any coverage for medical payments, because it is not required in Pennsylvania or New Jersey. As a result, most people assume that motorcycle personal injury insurance is unavailable and/or too expensive to purchase, so I decided to do some investigation to determine if medical coverage is available on motorcycle policies and, if so, how much does it normally cost.
The answers varied widely depending on which insurance company you choose. I was advised that my own insurance company (State Farm) does not offer medical coverage on my motorcycle policy, however, many insurance companies, both large and small, do offer the coverage.
Most insurance companies vary in the amount they offer from a minimum/maximum of $1,000 to $10,000. The cost also varies from a low of $32 per year for $2,000 worth of coverage from an internet insurance company to $200-$400 per year for $5,000-$10,000 worth of coverage through more traditional insurance companies.
Unfortunately, many of my clients no longer have private health insurance through their employers and therefore if they are involved in a motorcycle accident are often left with staggering medical bills and no insurance to pay them.
This is the reason I suggest that if you have no private health insurance you get on the phone with your agent and purchase whatever amount of Medical insurance you can on your motorcycle, no matter what the costs.
Buy Whatever Motorcycle Personal Injury Insurance You Can
Although it is virtually impossible to purchase enough medical insurance on your motorcycle policy to cover all potential medical bills incurred as a result of an accident, depending on which company you select, it may be affordable to purchase minimal medical coverage that would cover at least your transportation to the hospital and the emergency room care, dependent upon the type of injury you incur.
Believe me some health insurance is much better than none at all!
Even though I realize that purchasing medical coverage may not be affordable to every rider, I would suggest spending a few minutes investigating on your own to find out if medical coverage is available from your company and if so, what it would cost to add it to your policy.
If you have any questions regarding motorcycle personal injury insurance or any other topics for a NJ or PA motorcycle accident attorney, please feel free to contact me, Pennsylvania motorcycle accident lawyer Lee D. Gaber, Esquire, “The Cycle Attorney” at 888-292-5352 (888-CYCLE-LAW) for answers.