The actual difference is: medical payments are usually tied to the bodily injury liability insurance instead of a lawsuit from a passenger. The medical benefits are on the driver of the bike.
In Michigan, under NO-Fault. If the driver is injured in a motor vehicle accident with a Car/truck the Medical bills are paid by the other vehicles medical coverage period.
Medical Benefits are only paid in non-vehicle accidents. such as dumping the bike, etc. where there is no other vehicle involved.
The key in Michigan is that you should carry high Uninsured/Underinsured benefits and lower medical benefits to cover your deductible/out of pocket expenses on your Health insurance unless it is excluded specifically for Motorcycle accidents. Which is rare.
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Originally Posted by sdmillar
I have noticed a lot of motorcycles out there this spring with riders without helmets.
The Helmet law was just repealed in Michigan. A 30 year struggle. You will see a rise in your MCCA fee that covers medical over $350k for insurers.
Michigan is the only State that has unlimited Medical in Auto accidents. The MCCA fee is the fund that each driver pays per insured vehicle that the State holds for insurers that have claims over $350k. It is about $140/year per vehicle now. this fee goes up/down depending on the reserves in the fund. In the late nineties it was as low as $28/yr when it was overfunded the previous decade which was about $128/yr.