Liability vs Medical Insurance???

[Jess]

Howdy Folks

I have a question about auto/motor cycle insurance.

I have just bought a motor cycle and insured it with State Farm as all
my insurance is. State Farm only offers liability, collision,
comprehensive and uninsured vehicle insurance on motor cycles here in
Florida. Progressive offers the same coverage plus medical and
"guest" coverage.

My question is:

With liability insurance, doesn't liability insurance cover "anyone"
that gets injured in an accident while in your auto or not, as long as
they are "not" a household/family member?

You have medical insurance to cover "any" household/family member
while riding in your auto?

The guest insurance that Progressive offers is for "any" non
household/family member riding as a passenger on the motor cycle. If
the liability insurance already covers any non household/family member
riding on the motor cycle, is Progressive sorta double dipping?

Thanks!

[Isabella N]

>With liability insurance, doesn't liability insurance cover "anyone"
>that gets injured in an accident while in your auto or not, as long as
>they are "not" a household/family member?

No, it covers YOU, if you are found negligent in causing an accident, AND
someone who is not in your household sues you over their bodily injuries or
property damage.

>You have medical insurance to cover "any" household/family member
>while riding in your auto?
>

That depends. In Pennsylvania, we're a "no fault" state for bodily injury.
Many health insurance companies have exclusions on their policies, so that they
DON'T cover any auto/motorcycle related injuries.

>The guest insurance that Progressive offers is for "any" non
>household/family member riding as a passenger on the motor cycle.

> If
>the liability insurance already covers any non household/family member
>riding on the motor cycle, is Progressive sorta double dipping?

No, because liability insurance does NOT provide first party type benefits -
its a third party coverage, which means 1. the injured non-household party is
NOT their insured (you are, see above) 2. you have to be negligent (if you
are hit by another car, or hit and run, the liability does not apply) and 3.
settlement could take six months to a year if it goes to trial.

Hope it helps!
Isa

Why do they call it "tourist season" if you can't shoot them?

[Pt]

What you have to realize is that insurance companies view automobiles and
motorcycles as completely different animals, as like a jetski or
snowmobiles. Passengers on a motorcycle aren't "inside" and protected as
they are in an automobile. Some insurance companies won't even write a
household with a motorcycle. Progressive is acting as a special lines
provider. They can set down their own rules.

Jess wrote in message <8vkootkd998lpvb2s...@4ax.com>...

[Steve]

Not really. The "guest medical" would be for any injury. The liability
would be only if the policyowner was liable for the accident. Most insurers
offer medical coverage on motorcycles, but State Farm is an exception.
Since it's probably the most used portion of a motorcycle policy, they have
chosen not to offer it, feeling they couldn't charge enough to break even on
it. They are the exception, however.

[Ken Carter]

Just to add to these answers... There is another important difference
between the medical payments coverage and the liability coverage. the med
pay or "guest coverage" as Progressive is selling it is limited to actual
economic expenses such as hospital and doctor bills. The liability coverage
would 1) require fault as stated below, but also 2) allow for payment of
"general damages", or commonly called "pain & suffering".

Ken

--
Ken Carter
"Isabella N" <isab...@aol.comnospam> wrote in message
news:20010904220959...@mb-ma.aol.com...