08-22-2019, 12:04 AM
In certain circumstances and in certain states, the Personal Injury Protection/Medical Payments coverage on your motorcycle policy will not be used to pay your health insurance deductible. Instead, it will be used to reduce your health insurance carrier's loss expense. So, say you have a $25,000 injury, $10,000 in "medical coverage" with your motorcycle insurance, and a $5,000 health insurance deductible. In some cases, your health insurance provider will subrogate against your MC insurance, making the total loss to them $15,000. You would still be liable for your $5,000 deductible.
I have worked in insurance for over 35 years and only learned about this little quirk when my wife broke her leg in a single vehicle motorcycle accident. We wound up negotiating down what we owed to the hospital, but not to zero as I think it should have been. Also, if she had been in an accident with someone else and she was not at fault, their insurance company would have picked up the deductible. All of this is way too convoluted to be unwound here.
I have worked in insurance for over 35 years and only learned about this little quirk when my wife broke her leg in a single vehicle motorcycle accident. We wound up negotiating down what we owed to the hospital, but not to zero as I think it should have been. Also, if she had been in an accident with someone else and she was not at fault, their insurance company would have picked up the deductible. All of this is way too convoluted to be unwound here.