Medical payments coverage can help pay for medical costs if you or your passenger are injured in a motorcycle accident. Motorcycle medical payments coverage typically covers expenses such as:

Health insurance deductibles
Co-pays
Dental expenses
Prescriptions
Home care

Medical payments coverage typically does not cover expenses related to injuries to others from an accident you cause unless they are riding on your motorcycle with you at the time. Your motorcycle policy's bodily injury liability coverage typically protects you against liability for injuries to people other than your passengers from an accident you cause.

One thing you may want to consider if you're thinking about buying a motorcycle insurance policy with medical payments coverage is the limit, or the maximum amount of money your insurance company will pay toward costs covered by this type of protection. Purchasing coverage with higher limits may cause your premiums to increase, but you may want to consider whether you would be able to afford medical costs in the event that you're injured in a motorcycle accident. Additionally, in some states, because motorcycle medical payments coverage may begin to pay only after your primary health insurance coverage limits are exhausted, the higher premiums associated with raising your medical payments coverage limits may not be as high.