Motorcycle Medical Payments Coverage

Minnesota is a “no-fault” state, meaning our auto insurance policies are required to include coverage for medical bills known as personal injury protection. It is called no-fault because it is always paid from your own policy, even if you’re not at fault for the accident.

Do motorcycle policies have personal injury protection coverage?

No. Motorcycle policies are not required to include PIP by Minnesota law. Instead, they have medical payments coverage, which can be added in different amounts, or foregone altogether.

Do I need medical payments coverage?

This depends on a few factors. If you have no health insurance, a high deductible health insurance plan, or you often ride with passengers, you might want to look at adding coverage for medical payments.

What does medical payments coverage cost?

The cost varies based on the individual risk characteristics of your account. At Atlas Insurance, we have access to over 15 top motorcycle insurance companies and we compare quotes for you automatically. This means we can often increase your coverage while lowering your premium. Contact us for a free insurance review and quote comparison.

Disclaimer: The above are merely suggestions and tips, and are not meant to guarantee individual results. Any changes to insurance should be discussed with a licensed professional.