Motorcycle accidents are often higher risk than car accidents because riders lack the additional layer of protection that cars provide. This can result in severe injuries, overwhelming medical bills, and financial stress. Can your motorcycle insurance through Idaho Select Insurance help you? The answer depends on the type of coverage you have.

What Does Liability Insurance Cover?

Liability insurance is typically required by state law and provides coverage for bodily injury. However, it’s important to note that liability insurance usually covers the injuries of the other party involved in the accident, not your own. In this case, you would need to rely on your health insurance for medical care.

How Health Insurance Plays a Role

After a motorcycle accident in Meridian, ID, your health insurance will be your primary source of coverage, especially if you are at fault. In some cases, health insurance companies may seek reimbursement from the other party if they are found responsible for the accident.

Why Consider Personal Injury Protection?

Many motorcycle owners choose to invest in Personal Injury Protection (PIP), even if it is not legally required. In no-fault states, PIP is mandatory, but the state minimum coverage is often insufficient to address the extensive medical bills that riders may face.

PIP provides coverage for medical expenses, lost wages, and other costs, regardless of who is at fault for the accident. Insurance companies offering PIP typically provide various levels of coverage, allowing you to opt for protection beyond the minimum to ensure your family’s financial security.

Standard motorcycle insurance, especially liability-only policies, is rarely enough to cover medical bills after an accident. Fortunately, there are additional options available to ensure you’re adequately protected. Contact a representative at Idaho Select Insurance today to explore your coverage options. We proudly serve the Meridian, ID, area.