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MX, SX & Off-Road Discussions
General Moto | Off-Topic Posts
Do you have more insurance because you ride?
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[QUOTE="nikki, post: 676239, member: 18126"] Yep... I have increased medical, life, disability, and AD&D because I ride. The medical was a no brainer. We can choose a basic PPO or an enhanced PPO. They have different deductibles and percentages that you are responsible for. The "break even" point for getting the enhanced PPO was around $3,000 which means if you think you will have $3,000 of medical bills in the year, you will pay less total out of pocket with the enhanced. Needless to say, I crashed pretty good in March and racked up over $12,000 in bills between an ambulance ride, visit to the ER, 2 MRIs ($2,500 each!), numerous x-rays, numerous doctors visits, and 30+ physical therapy sessions. And I'm scheduled to go back for more fun in November. Good thing I elected for the enhanced medical plan! Life... like RV6junkie said - get enough to cover your debts. Luckily my company offers very inexpensive life insurance so I'm around 5 times my salary which would easily cover all my bills and bury me if need be. If I had children, I would definately bump up my coverage even more. Disability and AD&D... I always think of it as better safe than sorry. I would have to be severely disabled to not be able to do my office job, but at my previous job (required lifting and the like), I took full advantage of disability pay when missing 6-8 weeks of work due to a broken collarbone. [/QUOTE]
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MX, SX & Off-Road Discussions
General Moto | Off-Topic Posts
Do you have more insurance because you ride?
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