as introduced - 89th Legislature (2015 - 2016) Posted on 04/17/2015 09:33am
A bill for an act
relating to insurance; requiring that motorcycle owners obtain medical payments
insurance coverage for insured owners or riders; proposing coding for new law
in Minnesota Statutes, chapter 65B.
BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF MINNESOTA:
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Property and casualty companies doing business in this state may offer
medical payments coverage to an owner of a motorcycle for bodily injuries to the owner
or other permitted users resulting from riding the motorcycle or otherwise using the
motorcycle for purposes appropriate to motorcycle ownership.
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A motorcycle owner who resides in this state and who owns a motorcycle licensed in this
state shall obtain and maintain medical payments insurance coverage under this section
for the owner and other users permitted by the owner.
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(a) Medical
payments coverage required under this section is limited to payment of reasonable and
necessary expenses incurred for medical services, including chiropractic services, and
funeral and burial services resulting from bodily injury or death of an insured under this
section.
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(b) An owner of a motorcycle licensed in this state must obtain and maintain medical
payments coverage for the motorcycle in the amount of $25,000 per accident.
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(c) Medical payments coverage required under this section must provide a death
benefit of up to $5,000 in the event of death from bodily injury of an insured family
member under the medical payments coverage.
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(d) Medical payments coverage required under this section is limited to total claims
payments of $25,000 per policy period, regardless of the number of injured parties or the
cost of the parties' medical care resulting from the accident.
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(e) Coverage required under this section does not include death from injuries caused
by suicide, caused intentionally by a family member, sustained while committing a felony,
or sustained while seeking to avoid lawful apprehension or arrest by a law enforcement
official.
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(f) Coverage required under this section does not include liability insurance, which
is required of motorcycle owners under section 65B.48, subdivision 5. A motorcycle
owner must have both liability insurance and the medical payments coverage required
under this subdivision.
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If an owner of a motorcycle cannot
obtain the medical payments coverage required under this section through ordinary
methods, the owner of the motorcycle shall apply for and obtain the medical payments
coverage through the Minnesota Automobile Insurance Plan under sections 65B.01
to 65B.12.
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This section is effective August 1, 2015, and applies to
motorcycles owned in this state on or after that date.
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