A motorcycle is a high-risk vehicle. There is less protection than is offered by a car. There are no airbags, and the person’s body is basically outside of a moving vehicle. This is why it’s important to have motorcycle insurance. In addition, having liability protects others on the road as well as the motorcycle driver.
Motorcycle insurance is basically like most other types of coverage. You buy a policy for a certain amount of coverage, pay your premiums and file a claim when you need assistance.
If you have liability only, then you will receive assistance when you cause damage to others during an accident. If someone is hurt, then your liability will help pay their medical expenses. If their property is damaged, then your liability will pay to repair or replace the damaged items. With comprehensive coverage, your insurance company will pay for damages that you suffer. And collision is for damages caused in non-accident situations.
Anyone who owns and drives a motorcycle needs coverage. If nothing else, liability is the least amount of coverage you should have. If possible, get better coverage if you can afford it. Insurance protects you financially and protects other drives on the street.