Medical Insurance Coverage for Motorcycles, ATVs and UTVs New Purchase - Feel The Freedom
There is nothing like the feeling of pure exuberance when you purchase a new powersports toy such as a motorcycle, ATV or UTV. You can almost taste the new found freedom that you are about to have as you unload your new powersports vehicle. You can’t wait to explore new adventures in the great outdoors. You often share your outdoor adventure by bringing with you family and friends. The joy of this off-road sport is growing as more and more people engage with the outdoors. People are often looking to escape from the pandemic and other worries of the world. With more people engaging in powersports, more accidents are bound to happen. Safety Gear & Tools Before hitting the road for your next adventure, protect yourself and passengers with the proper safety gear and tools. You may want to consider the following 10 items of safety gear and tools for the ride:
Did You Know Medical Insurance Is Optional For Motorcycles, ATVs and UTVs? Don’t forget to review insurance coverages on your motorcycle insurance policy or ATV/UTV insurance policy. The last thing you want is to find out you are not properly insured if you have an accident in your outdoor powersport adventure. Most people are familiar with standard insurance coverages such as Bodily Injury (BI), Property Damage (PD), Uninsured/Underinsured (UM/UIM) and Comprehensive and Collision insurance coverages. However, did you know that medical insurance or personal injury protection insurance (PIP) is optional coverage in some states? For example in Utah, all automobiles are required to have Personal Injury Protection (PIP) insurance to pay for medical expenses up to $3000 dollars. Because Utah follows No-Fault statute laws, all drivers must have this on their automobile insurance to pay for medical expenses regardless of who is at fault. This type of coverage is different in each state. Did you also know that although this coverage is required for automobiles, it is not required for motorcycles, ATVs and UTVs in most states? In Utah, motorcycle medical insurance or PIP insurance is not required. For this reason, medical insurance or personal injury protection insurance is often overlooked on many motorcycle and ATV insurance policies. Many riders mistakenly assume that they have some protection on their motorcycle insurance policy. What Does Motorcycle Medical Insurance Cover? Motorcycle or ATV/UTV medical insurance pays for medical bills for you and any passengers if you are injured in an accident. It does not matter who is at fault. So for example if you roll your UTV over and you break your leg, UTV medical insurance will pay for your injury up to the policy limits. In general, motorcycle medical insurance is very inexpensive and it can be a very crucial part of your insurance protection. The annual cost is often about the same as one fast food meal at your local fast food restaurant. How Much Motorcycle Medical Insurance Can I Purchase? Most insurance companies offer the following medical payments options or limits on motorcycle insurance policies:
Some companies may even go up to $25,000 in coverage for medical payments coverage. When trying to determine the right amount of protection, consider policy deductibles on your health insurance. If you do not have health insurance, you may want to shop around for companies that offer the most protection. At Big Pine Insurance, we can do the shopping for you to help you find competitive rates and insurance companies that offer the right medical insurance protection. Be safe, enjoy the freedom of the ride and let us help you protect your powersport investment.
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Photos from Kyle Taylor, Dream It. Do It., ton.schulten, USASOC News Service, Seniju