In Michigan, a motorcycle insurance policy and a car insurance policy are kept separate. It comes down to a difference in medical coverage. Motorcycles are excluded in Michigan’s no fault coverage, meaning they are not eligible for unlimited medical coverage when filing a claim against their own policy. Motorcyclist have the option of purchasing medical pay and medical benefits in increments of $5000.
Motorcycle Policy Features
- Renews Annually
- Roadside Assistance
- MCCA Fee is Required
Why do I have to pay the MCCA Fee to insure a motorcycle in Michigan?
Even though motorcycles are not eligible for unlimited medical coverage under their own insurance policy, they are eligible if a car is involved. How is that possible? Well, when a motorcycle is in a collision with an automobile in Michigan, that automobile insurance policy must pay unlimited medical expenses on the motorcyclist and passengers. And it does not matter if it was the motorcyclist’s fault, the auto involved is the policy which pays.
Example 1: You are on your motorcycle. A deer jumps out from the grass and you lay your bike down going 50 mph. Along with major road rash you break your collar bone, several ribs, and fracture your hand. Several surgeries are required in order to get you back to normal. Your medical pay or medical benefits coverage from your motorcycle insurance policy will kick in to cover the costs up to your listed limit. Your primary health insurance through your employer could possibly pick up any slack.
Example 2: Your car is legally parked on the side of the road. A motorcyclist not wearing a helmet is speeding and hits an unexpected pothole. He crashes into your parked car and damages his spine. Your car insurance policy will cover the medical expenses with no cap on the coverage.
Ways To Save
Even though you cannot add a motorcycle to your car insurance policy, you can still benefit from insuring your motorcycle and car with the same insurance company. Usually the motorcycle policy will be eligible for a multi-policy discount when you also insure your car. You could also combine billing if you go through the same carrier. Combining bills often reduces billing fees, saving you both time and money.
What about other states?
Other states do not have Michigan’s complicated no-fault laws which make unlimited medical coverage mandatory for all autos on the road. Therefore in some other states adding a motorcycle to an auto policy is completely acceptable and often the cheapest route to insure your bike. When adding a motorcycle to a car insurance policy, the motorcycle takes on the same liability coverage as the autos listed. If that is not what you want, you will need to look for a separate motorcycle policy.