Bikers Should Get Medical Insurance For Motorcycle Accident


If you own an automobile in Minnesota, your insurance company must include coverage for medical expenses after a car accident.  Unfortunately, this law does not apply to insurance for a motorcycle owner.  Therefore, accident medical insurance coverage for the motorcycle owner is just optional.  You have to request it if you want your motorcycle insurance to pay medical bills for an accident.

Your insurance company is required to offer medical bills insurance for when you are on your motorcycle. However, that doesn’t mean they have to encourage you to get it, or even explain how important it may be to you.

Minn.Stat. Sec. 65B.48 Subd. 5. regarding motorcycle insurance coverage states:

“(a) Every owner of a motorcycle registered or required to be registered in this state or operated in this state by the owner or with the owner’s permission shall provide and maintain security for the payment of tort liabilities arising out of the maintenance or use of the motorcycle in this state. Security may be provided by a contract of liability insurance complying with section 65B.49, subdivision 3, or by qualifying as a self insurer in the manner provided in subdivision 3.

(b) At the time an application for motorcycle insurance without personal injury protection coverage is completed, there must be attached to the application a separate form containing a written notice in at least 10-point bold type, if printed, or in capital letters, if typewritten that states:

“Under Minnesota law, a policy of motorcycle coverage issued in the State of Minnesota must provide liability coverage only. However, there is no requirement that the policy provide personal injury protection (PIP) coverage in the case of injury sustained by the insured. No PIP coverage provided by an automobile insurance policy you may have in force will extend to provide coverage in the event of a motorcycle accident.”


That is not much of a warning and is not very informative.  For one thing, most people don’t know what “PIP” coverage is, and the notice doesn’t mention medical bills at all. The truth is, you are much more likely to be injured in an accident if you are riding a motorcycle than if you are riding in a car.  The PIP/No Fault Benefits that you can purchase for your motorcycle may provide up to $500 per week in lost wages and up to $20,000 in medical expenses.

It may not seem like a big deal, but the cost is pretty modest to buy medical coverage for a motorcycle accident, and the benefits can be very helpful if you are injured in a bad crash.

Motorcycle Accident Injury Lawyers
Motorcycle Accident Injury Lawyers


Our lawyers have represented many people injured in a Minnesota motorcycle accident. Our first discussion with the client always includes the question of whether or not they have No-Fault coverage to help pay the medical bills and lost wages after the motorcycle accident.  Every client that purchased the extra coverage has been very grateful (usually to their insurance agent) that they did so.  If you have been involved in a motorcycle accident in MN and have questions about your rights or insurance coverage, call our office for a free consultation with a motorcycle accident attorney.