I was in a car accident in Melbourne last week and while I was recovering in hospital, I was told that the claim for my insurance would have to be paid out of my pocket.
I had no idea what was happening, but the only option I had was to get a $3,000 life insurance policy that included no deductible.
My plan also had a $100,000 deductible but I could only get it if I had a pre-existing condition.
While I was being treated in the hospital, my friend had to stay in a hotel room with me.
We didn’t have any money to pay the bill, but we were lucky.
So when my insurance company called to ask if we could pay the claim, I thought, “I’m paying for a trip that was completely unnecessary”.
I had never had to pay a claim before, but now I am.
This is the reality of life when you are a motorcyclist who drives a car and is involved in an accident.
Motorcyclists are covered by a wide range of motor vehicle insurance policies that cover all of their personal injuries, including medical expenses.
For those that don’t have insurance, the average policy has a $2,000 to $3 of deductible and up to $1,500 in a pre‑existing condition claim, depending on the type of injury.
While it’s tempting to think you can go off the road, there are a number of risks and precautions you need to take.
Read more about how to pay your travel insurance claim.
My insurance company didn’t provide a cost estimate for this claim and I don’t think it was necessary for me to pay it.
If you don’t want to have to pay, you can get a travel insurance policy from a reputable motor insurer, which will cover your claim.
You may also be able to get it for a lower price than you can with a pre‐existing condition policy.
If the policy covers you, you should make sure you check your claim against the policies that are covering you before you buy it.
You can check the policies of motor insurance companies that cover you here.
If your claim isn’t covered You may be able do more to protect yourself if you were in an unsafe situation when you got hit.
You should get a first-aid kit, which can provide immediate medical treatment, as well as a helmet and a personal protective equipment (PPE) suit.
It is also worth checking with your insurance company before purchasing a policy.
The key thing to remember is that you need an independent medical report from a doctor to know if you are at risk of having a life-threatening condition.
Read the latest news on motor insurance from the ABC News blog.
If there are any questions about a policy, contact the insurance company or your GP to discuss it.
Insurance companies are trying to make the industry safer but there are risks and benefits to all of the policies they offer.
Read my guide to motor insurance policies.