When you buy motorcycle insurance in Collierville, TN, you might not immediately think about its medical insurance provisions. Most people focus on liability coverage and protecting their bikes in case of a collision. However, having adequate medical payments coverage is essential if you sustain an injury in an accident. Brock and Poole Insurance Agency can help ensure you have the coverage you need.
The Risks Faced by Motorcycle Riders
Unlike drivers and passengers in cars and trucks, who are shielded by metal frames, motorcycle riders are exposed to the elements and other vehicles. They lack the protective barriers that can reduce the severity of injuries in larger vehicles. Additionally, motorcycles ride lower to the ground, increasing the risk to the rider’s body. These factors often lead to injuries that are far more severe than those experienced by occupants of cars or trucks. For example, motorcyclists frequently suffer leg injuries that require multiple surgeries and extensive physical therapy.
How MedPay Can Bridge Insurance Gaps
While you may assume your health insurance will cover injuries from an accident, this is not always the case, especially if the injuries are catastrophic. Health insurance may cover some medical expenses, but you could still be responsible for significant out-of-pocket costs. Motorcycle medical coverage can help cover these expenses. Additionally, the liability portion of your motorcycle insurance policy only covers injuries to others if you are at fault in an accident. Medical payments coverage, on the other hand, will cover injuries you sustain, as well as those of any passengers riding with you at the time of the accident.
Brock and Poole Insurance Agency can assist you in creating a motorcycle insurance policy that provides comprehensive medical coverage and meets your other needs. Contact our office in Collierville, TN, to schedule an appointment today.
