A. Age, Safety Equipment and Lifestyle
If a motor vehicle or aircraft accident occurs, there are some additional considerations for sharing eligibility. Diagnosis and treatment of injuries will not be eligible to be shared if any of the following applies:
- There was abuse of alcohol or legal drugs, or the use of Illegal Drugs.
- The vehicle or aircraft was used in a race, to perform a stunt, or in the commission of a crime.
- The minimum operator age recommended by the manufacturer or required by law was not followed.
These apply regardless of whether the Member was operating the vehicle or was a passenger.
Helmets and seatbelts are expected to be worn when they are legally required. If either was not used but was legally required, Members have an additional Member portion. This additional amount is calculated as 15% of the first $100,000 of Eligible Medical Bills related to a motorized vehicle or aircraft accident. This 15% is in addition to the Member’s AHP.
B. Motorcycle Injuries
A Member can receive up to $100,000 in sharing of Eligible Medical Bills toward diagnosis and treatment of motorcycle accident injuries incurred in a 12-month period. A motorcycle is defined as a two-wheeled, motorized vehicle with an engine size displacement of at least 50 cubic centimeters. A Member who is injured, while on a motorcycle used to perform mission work outside of the U.S., is exempt from this $100,000 limit.
C. Reporting Injuries
Members call Member Services (800-264-2562) to report injury details of motorized vehicle accidents. The following documents may be necessary to determine eligibility for sharing:
- A copy of the insurance policy for an owned vehicle or aircraft (or the contract if rented or leased)
- The official accident report
- Medical records relating to the care and transportation of the injured Member(s)
- Information that pertains to other vehicle(s) and parties involved in the accident