[Blade1413]

Alright guys,
On some good advice from VolEngineer I got insurance through GMAC for the time being.. As I'm sure most of you have read their is a loophole in the law in which allows you to pay insurance but if something happens they don't have to pay you!.. Now I just got my insurance and found the actual exclusions for Medical Payments Coverage. "Sustained while 'occupying' any motorized vehicle having fewer than four wheels.".. So what am I paying the, don't want to be too specific, $70.00/year for if they won't cover any medical bills for me. Since its a no fault state then the issue of covering someone else's medical bills doesn't really make sense. And how do they make me pay passenger liability for almost $200/year if they don't have to cover medical bills??? and if they don't have to pay bodily injury why would I pay $132/year for uninsured motorist bodily injury???

This issue is confusing me. I won't really be taking anyone on the back except for my wife on occassion, not very often because to be honest if we go anywhere we always have to bring our baby..

So what do you guys think? anybody know about this stuff? I could reduce my yearly payments by almost $400.00 and I don't even know if they would pay if anything happened?? hmmmm :crazy:

 

[jeeps84]

That's why you get a good medical policy beside your auto policy.

 

[Gas Man]

I have no idea what Blade is talking about!

 

[Trip]

I know what he is talking about, they send you a standard booklet on your insurance that is for an automobile. No idea why they do this, but if you look on the front cover on the booklet it sats personal auto policy and not personal motorcycle policy. You may want to call them and talk to them about your medical options.

 

[R1up0n1]

I always waive the (PIP) Personal Injury Protection. I have a great health insurance plan and benefits thru work therefore I don't need to pay my motorcycle insurance any medical coverage. I just don't see the point in it if you already have medical coverage thru work. Also if you have a passenger on the back make sure she/he has some kind of medical coverage, or pay for the passenger medical coverage thru the insurance company.

I myself called GMAC several months ago for the SV which it was the cheapest I found, however I never switched companies because I threw that rod out on my SV. I called to get the quote for the R1 several weeks ago and they quoted me $741.00 a year, however that was not waiving the medical coverage. They will not quote you that coverage until after you recieve the policy and sign the waiver form and mail it back to them.

 

[Blade1413]

Well the reason I thought of this in the first place was because I remmembered an article stating there was a loophole in the law saying that they could deny you coverage..

Here's an article I found from June 2005,

June 09, 2005

Washington DC; (MCNW) The American Motorcyclist Association reports that a bipartisan bill to end health-care discrimination against motorcyclists and ATVers has been introduced in the U.S. House.
U.S. Reps. Michael Burgess (R-Texas) and Ted Strickland (D-Colo.) on June 8 introduced H.R. 2793 -- "The HIPAA Recreational Injury Technical Correction Act" -- would bar health-care discrimination against those who take part in legal transportation and recreational activities such as motorcycling, ATV riding, snowmobiling, or horseback riding.

U.S. Sens. Susan Collins (R-Maine) and Russ Feingold (D-Wis.) introduced similar legislation in the Senate: S. 577, "The HIPAA Recreational Injury Technical Correction Act."

The measures are in response to action taken by federal bureaucrats that legalized health-insurance discrimination against riders and others.

"It's shameful to allow health insurers to discriminate against individuals who take part in perfectly legal hobbies and activities" Strickland said. "According to this rule, a person injured while drinking and driving would be covered by their health insurance, but an individual who falls from a motorcycle may not. It just makes no sense."

Burgess added: "The development of this bill could not have been possible without bipartisan congressional support and the hard work of the American Motorcyclist Association. I look forward to working alongside the AMA to get this legislation passed into law.''

On August 21, 1996, President Clinton signed into law the Health Insurance Portability and Accountability Act (HIPAA) to prohibit employers from denying health care coverage based on a worker's pre-existing medical conditions or participation in legal activities, such as motorcycling.

But later federal bureaucrats reversed the law, writing rules to allow health-insurance discrimination against motorcyclists and others who engage in legal activities like ATV riding, or horseback riding.

The AMA was outraged when federal bureaucrats went against the will of Congress and immediately lobbied Congress to right this wrong. Others involved in the effort include the BlueRibbon Coalition, Motorcycle Riders Foundation, ABATE of Wisconsin, ABATE of Ohio, the American Council of Snowmobile Associations, and the American Horse Council.

"This loophole written by federal bureaucrats must be changed," said Ed Moreland, AMA vice president for government relations. "We need all AMA and ATVA members and all motorcyclists to contact the members of their congressional delegations to support legislation to fix this."

Now this exposes a loophole in the medical coverage.. And now I have found a loophole in my medical from my insurance coverage??? :disapp:


My wife and I both have medical insurance so you guys think I should save the $400.00/year by not having the bodily injury and passenger coverage? Or not that I found this article does the law provide a loophole for both of these organizations?? What A JOKE!

Anyone know more than I do here?? I will try and find some more information on any loopholes and will definitely be contacting my MC insurance company about this exclussion for vehicles with less than 4 wheels.. :crazy:

 

[Blade1413]

That's why you get a good medical policy beside your auto policy.

So now that you know there is a loophole stating that your medical doesn't have to cover you if you have an accident on your MC, what do you think jeeps? I haven't heard that it's been fixed but then again I haven't heard of too many medical insurance providers screwing riders?? So whats the deal with this as well?

 

[R1up0n1]

I want to add that this is a really good topic blade....I will do some research on my coverage...I will give you Reputation points for this thread :dthumb:

 

[Blade1413]

I want to add that this is a really good topic blade....I will do some research on my coverage...I will give you Reputation points for this thread :dthumb:

Thanks SVup,
I hope we are able to figure this all out as it applies to everyone on this forum. And it is also something you wouldn't really think about until you really need it and they deny you any benefits, which would put most of us in debt for life. I will contact my MC insurance as to that aspect and we can hopefully find out some more information on the loophole with consideration to health coverage.. So far what I'm looking at is a double whammy with neither my MC insurance nor my health insurance covering any medical expenses due to an accident on a streetbike :yikes: .. Some Funky stuff going on!

 

[Gas Man]

I always waive the (PIP) Personal Injury Protection. I have a great health insurance plan and benefits thru work therefore I don't need to pay my motorcycle insurance any medical coverage. I just don't see the point in it if you already have medical coverage thru work. Also if you have a passenger on the back make sure she/he has some kind of medical coverage, or pay for the passenger medical coverage thru the insurance company.

DING DING DING!!! You would BE WRONG!!!

You medical insurance won't always cover you in a auto or MC accident!!

You need to find out if your medical insurance will cover the medicall bills first or do they want to go second in a auto accident claim.

If they choose to go first then you need to find out how much they will cover before they want the auto PIP to kick in. Then you need to find out if that will be enough and then choose the amount you want in PIP.

If they want to go second you need to find out how much the state says auto insurance companies are legaly forced to pay before passing onto your medical insurance. In Michigan for example, there is not cap. So if your PIP is first your medical insurance will never have to pay anything. This is how it is for me. In PA, I believe it is like $100,000 then the medical insurance has to kick in...

I swear and you all need to check into it. But you need to not only check with your auto/mc insurance company but also your medical insurance company.

 

[R1up0n1]

DING DING DING!!! You would BE WRONG!!!

You medical insurance won't always cover you in a auto or MC accident!!

You need to find out if your medical insurance will cover the medicall bills first or do they want to go second in a auto accident claim.

If they choose to go first then you need to find out how much they will cover before they want the auto PIP to kick in. Then you need to find out if that will be enough and then choose the amount you want in PIP.

If they want to go second you need to find out how much the state says auto insurance companies are legaly forced to pay before passing onto your medical insurance. In Michigan for example, there is not cap. So if your PIP is first your medical insurance will never have to pay anything. This is how it is for me. In PA, I believe it is like $100,000 then the medical insurance has to kick in...

I swear and you all need to check into it. But you need to not only check with your auto/mc insurance company but also your medical insurance company.

When I call my health and dental insurance company on November 2nd to upgrade some coverages I will ask about this. I need to find out anyway, so I will know what to do about insurance for the R1 later on this year.

 

[JEKYLL]

Hey blade...after you get,or don't get, as the may be,some answers from your insurance agents,contact someone at AMA they will definitely give you some insight on this subject!!!


Hey everyone else...remember the thread I started not too long ago about joining the AMA,...heeeeeelllllllooooooowwwwww....notice at the begining of the article blade posted,it starts out...The AMA reports....you see,you may not receive anything back that can be touched or tasted but your contribution goes to combat these type of injustices !!! For the general cycling comunity as a whole! ...you dig?

 

[JEKYLL]

As I've said before,and to go one step further than either the pers. or auto./motorcycle insur.,hospitals themselves have recently been found refusing to accept insurance and billing the rider, his or her-self,completely,for the entire bill AND found upping the price tags of various services,drugs...who do we have to say they're wrong if it never really gets noticed,the only way I've ever seen stories like this was in the AMA mags and web site,and It's happened alot!

 

[jeeps84]

So now that you know there is a loophole stating that your medical doesn't have to cover you if you have an accident on your MC, what do you think jeeps? I haven't heard that it's been fixed but then again I haven't heard of too many medical insurance providers screwing riders?? So whats the deal with this as well?

I have never made a medical claim on my auto/bike coverage. I have made MC related claims on my medical with no problems. I did claim on somebody else's policy after receiving a broken arm when I was hit in my Jeep. Actually got a few G's for that one.

 

[snadamo]

I want to add that this is a really good topic blade....I will do some research on my coverage...I will give you Reputation points for this thread :dthumb:

:iagree: i am going to as well. Just let me remember where it is and consider it done. This is a great article, as I am thinking about switching insurance on my MC to see if the MSF discount is worth it.

 

[jeeps84]

:iagree: i am going to as well. Just let me remember where it is and consider it done. This is a great article, as I am thinking about switching insurance on my MC to see if the MSF discount is worth it.

Are you asking where the reputation button is?
If so, it use to be the green button under that members avatar. Now IDK? :scratch:

 

[snadamo]

Are you asking where the reputation button is?
If so, it use to be the green button under that members avatar. Now IDK? :scratch:

sorry forgot the follow up. Found it, thanks!

 

[jeeps84]

Here is the skinny with this link

We're experimenting with, at the moment. I'm not sure it'll stay, but here is the link to the "official" info: http://www.vbulletin.com/docs/html/main/main/reputation
At the top right of every post you will see a new icon (

) which allows you to provide reputation for that user's post. Clicking the icon allows you to post a comment and state whether you approve or disapprove. As long as you are a full user (i.e. you have 100 posts and have been a member for 90 days), this will then be publicly available for everyone to see and will appear directly underneath the post as a comment. A box titled "Comments on this post" will appear, with a list of users who agree/disagree.

All full users have a certain reputation power. This depends on the number of posts they have, the reputation they have received themselves and how long they have been a member etc. When you approve of a post, you increase the poster's reputation by the number of reputation points you have. If you disagree with their post, their reputation points will decrease by the number of reputation points you have.

If you are not yet a full user (i.e. you do not have 100 posts and have not been a member for 90 days) you do not have any reputation power. While you can still comment on posts, your comments will not be publicly available and you will not alter the poster's reputation points. The comments you make will only be visible to the poster in their user control panel.

Every time you agree or disagree with a post, your comment will appear in their user control panel. Each comment will either have a green icon (to show that the user agreed with your post), a red icon (to show that the user disagreed with your post) or a grey icon (where the user has no reputation power so is not a full member).

Everyone starts with 10 points and one green icon associated with their profile. As they gain (or lose) points, their total increases or decreases and the number of green icons next to their profile changes. The more green icons there are, the more the user is respected in the forum.

You can find out your current reputation level from your Control Panel. If you scroll to the bottom, you will see a "Latest Reputation Received" section, where you can find out your current reputation level and view the most recent comments posted about you.:

 

[Blade1413]

I have never made a medical claim on my auto/bike coverage. I have made MC related claims on my medical with no problems. I did claim on somebody else's policy after receiving a broken arm when I was hit in my Jeep. Actually got a few G's for that one.

I doubt that every health insurance company would deny payment of medical bills due to you being on a motorcycle at the time of the incident, but from what I understand they "can" legaly deny you and pay nothing. Leaving you in great debt for the rest of your life. I know a stay overnight in the ER can cost?? More than $5,000 I would say. So if you have real bad problems then you might just get totally screwed..

VolEngineer,
Now the crappy part is that from what I was reading in my GMAC policy, it doesn't matter if it's an auto or MC packet that was sent to me stating the exclussions and everything. It says specifically that it will not cover any medical bills if you are driving a vehicle with less than 4 wheels.. Now from my understanding I don't think that your insurance will follow you to someone elses vehicle?? So if I go drive my friends car my insurance is not going to pay for bills if I have an accident, his insurance will pay for it.. Right?? So if your coverage is on a bike then it is still meant to imply that they will not cover any medical bills?? So it wouldn't matter what your view on how it is worded in GMAC policy the fact is they are specifically stating they will not cover you if you are on less than 4 wheels... :crazy: .. INSTALL SOME TRAINING WHEELS RIGHT AFTER THE ACCIDENT, that may qualify as 4 wheels then.. :scratch: :lol:

I'm going to get down to the facts on this tomarow as I will hopefully be able to contact GMAC as well as my health insurance provider, as long as the hurricane doesn't make my cell phone useless...

 

[Gas Man]

I too have never had a problem in having my medical insurance cover me when I was involved in a accident. But it could go the other way and it only cost me like $20 a term for the extra coverage for the wife and I... so I'll do that vs chancing it w/o!