Medical Payment Insurance Advice | Michigan Motorcycle Lawyers

Daniel Buckfire

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My friends and my clients often ask me about types of insurance they should buy for their motorcycles. I am always happy to review someone’s insurance policy and give them my recommendation.

One question I am frequently asked is whether a biker should purchase Medical Payment insurance. This type of insurance is commonly known as MED PAY. MED PAY pays for medical expenses if you are involved in many types of accidents, including the following:

• An accident with another motorcycle
• An accident with no other vehicle, also called a single-bike accident
• An accident caused by a road defect

It is important to note that MED PAY does not pay for medical expenses incurred in an accident between a motorcycle and another motor vehicle like a car or truck. But, in this type of accident, both the driver and the motorcyclist would be able to collect No Fault insurance benefits, which would pay all their medical expenses.

MED PAY insurance policies can usually be bought in increments of $5,000.00, up to $25,000.00 in coverage. I recommend bikers purchase as much of this insurance as they can afford to pay. The reason I make this recommendation is because of how the insurance normally works.

Typically, MED PAY coverage is the primary insurance for a motorcycle accident, meaning it will pay benefits before your regular health insurance starts to pay. It pays up to the MED PAY policy limit and then your regular health insurance kicks in.

Since most people have health insurance through their employer, a sudden layoff or downsizing could leave you with little or even no insurance to cover the cost of your medical bills if you are involved in an accident. If you do not have insurance coverage, you will be personally responsible for paying all of your medical bills. However, MED PAY policies are relatively inexpensive compared to the cost of healthcare.