When a person on a motorcycle gets into an accident, there is a chance that the injuries he or she suffers will require medical care. This care can be very expensive. For many motorcycle riders, their insurance policy will cover some of the medical payments associated with the accident. This is important, especially if the other driver doesn't have insurance. Our readers in Florida might find this interesting.
Your health insurance policy might cover some of the costs of the injury, but it likely won't cover it all. In some cases, you might need the motorcycle medical payments insurance to cover psychiatric visits, dental care, copays, deductibles, prescriptions and nursing home care. Overall, this type of insurance is relatively inexpensive when you think about the cost of all the things it covers.
It is important for you to realize that motorcycle medical payments insurance is a different type of insurance from motorcycle bodily injury liability insurance. Motorcycle bodily injury liability insurance is a type of insurance that covers the cost of medical treatment for people who are injured if you cause an accident while you are on your motorcycle.
Having adequate insurance is vital for all drivers. In some cases, the insurance companies might fight against victim's claims. In other cases, the at-fault driver might not have insurance or might not be adequately insured. In any of these cases, it might be necessary to seek compensation through the civil court system. Understanding how to do this in Florida might help you to feel less stress and make the best decisions about how to proceed with your case.
Source: DMV.org, "Medical Payments Insurance For Motorcycle Riders" accessed Feb. 06, 2015