Does motorcycle insurance cover medical bills?

Medical payments: An optional coverage on a motorcycle policy, medical payments coverage can pay for reasonable and necessary medical expenses for you and your passengers that result from a motorcycle accident, regardless of fault and up to your coverage limit.

Personal injury protection (PIP): Mandatory in some states and optional in others, PIP coverage on a motorcycle insurance policy can pay for medical, rehabilitation, and funeral expenses caused by a motorcycle accident, regardless of fault.

Pedestrian PIP: Pedestrian first party benefits apply if a pedestrian in New York, Pennsylvania, or New Jersey is hit by a motorcycle and may pay for their medical bills and other expenses. Understand that Pedestrian PIP covers a pedestrian that you injure while riding your motorcycle and won't cover injuries to you or your passenger(s).

Enhanced injury protection: An optional motorcycle insurance coverage offered by Progressive, enhanced injury protection can pay for work loss benefits if you're hurt in a motorcycle accident and unable to work. You must carry medical payments under your motorcycle policy to add enhanced injury protection.

Uninsured/underinsured bodily injury: If you're injured in a motorcycle accident and the at-fault motorist has no insurance or not enough coverage, uninsured/underinsured bodily injury coverage can pay for your medical expenses, up to your coverage limit.

Bodily injury liability: Motorcycle liability coverage is mandatory in nearly every state before you can legally ride your motorcycle. Liability coverage can pay for injuries you cause to someone else while riding, up to your coverage limit. Your own injuries are never covered by liability coverage.

Health insurance: A health insurance plan may cover injuries sustained in a motorcycle accident. Depending on your plan, you may have a co-pay or a deductible and some plans specifically exempt motorcycle injuries from coverage. Even if you have a health insurance plan that covers motorcycle injuries, adding medical payments coverage to your motorcycle policy may add an additional layer of crucial protection.