Tag: motorcycle

Motorcycle accidents can result in serious injuries that require immediate and extensive medical treatment. Unlike car accidents where you have more protection, motorcycle riders in Alabama face greater vulnerability on the road. Understanding how medical payments coverage works through your motorcycle insurance policy from Surety Ins Inc. can make the difference between manageable medical bills and financial disaster.

What Medical Payments Coverage Includes

Medical payments coverage, often called MedPay, pays for medical expenses regardless of who caused the accident. This coverage kicks in immediately after an injury, covering ambulance rides, emergency room visits, hospital stays, surgery, and follow-up treatments. It also covers rehabilitation costs, which can be substantial after motorcycle injuries. Unlike health insurance, MedPay has no deductibles or copays, providing quick access to funds when you need medical care most urgently.

How MedPay Works with Other Insurance

Medical payments coverage works alongside your health insurance rather than replacing it. MedPay typically pays first, up to your policy limits, then your health insurance handles remaining costs. This coordination helps reduce out-of-pocket expenses and ensures faster payment to medical providers. If you don’t have health insurance, MedPay becomes even more valuable as your primary source of medical coverage after an accident.

Coverage Limits and Considerations

MedPay coverage limits typically range from $1,000 to $10,000, though higher limits are available. Given that motorcycle injuries tend to be more severe than car accident injuries, consider purchasing higher limits if your budget allows. The coverage applies to you as the rider and any passengers on your motorcycle at the time of the accident.

Protect yourself on Alabama roads with adequate medical payments coverage. Contact Surety Ins Inc., serving Alabama, today to discuss MedPay options that fit your riding habits and budget.