How is my coverage different from a car?
Although motorcycles are insured on a Personal Auto Policy, there are key differences between insuring a car and a motorcycle. Costs are usually lower on motorcycles as they are not typically driven year round. Another difference is that you may drive a motorcycle on a permit without another licensed operator. The main factors considered in getting to motorcycle premiums are: number of years the operator has been licensed; the operator’s participation in a motorcycle driver training course; the value of the motorcycle; engine size (cc’s); operator’s driving record; the town it’s garaged in; and of course the coverage and limits chosen.
A key issue with motorcycle coverage is the exclusion of Personal Injury Protection benefits for operators and passengers. This coverage will not pay for injuries incurred while riding a motorcycle but it will pay for anyone struck by the motorcycle. PIP also pays for injuries incurred by the motorcycle owner if struck as a pedestrian by a vehicle that does not have MA compulsory insurance. To buy-back coverage for you (the operator) and your guests, Medical Payments coverage (Part 6) is the way to do so. The minimum amount that can be purchased is $500 and the maximum allowed is $50,000; however, the $50,000 amount limit may not be available from all carriers.
Under normal circumstances most health carriers exclude coverage for the first $2,000 of injuries incurred as the result of an auto or motorcycle accident. Medical Payments will pay the first $2,000, then the medical provider pays according to the individual health plan. Any balance can be paid with the Medical Payments coverage up to the amount chosen on the policy (if $5,000 in coverage purchased, you would have a balance of $3,000 that could be paid for things like deductibles, co-payments and those kinds of gaps).
As you can see, the difference between coverage for injuries when riding an auto compared to a motorcycle can be significant.