Motorcycle Coordination of Benefits
How Does a Motorcyclist’s Health Insurance Coordinate with No-Fault?
How motorcyclist health insurance and no-fault insurance coordinate is very complicated. In most cases, the no-fault insurer of the motor vehicle involved in the accident must pay the medical expenses of the injured person on a primary basis without regard to whether the injured person also has health insurance. If the injured motorcyclist is also covered under a health insurance policy, that health insurance policy may also be legally obligated to pay benefits unless it has “coordination of benefits” language within the policy. This language makes health insurance coverage secondary if no-fault PIP benefits are payable.