What Motorcycle Insurance Usually Covers

Bodily Injury. Covers you for bodily injury or death from an accident for which you’re at fault and often covers associated legal defense expenses.
Property Damage. Protects you if your bike accidentally damages another person or business’s property.
Medical Payments. Whether you are at fault or not, this usually pays medical expenses of the driver and passengers on the bike that are in an accident.
Uninsured Motorists. This pays for injuries and sometimes certain property damage when involved in an accident with a driver who is uninsured. This will also usually cover hit-and-run accidents.
Comprehensive. This covers motorcycle damage resulting from flood, fire, vandalism, theft and other covered perils.
Collision. Pays for the damage to a motorcycle when it is hit or hits another object.

Approximately ¾ of motorcycle accidents involve collisions with another vehicle, most often a passenger automobile.

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What Motorcycle Insurance Usually Doesn't Cover

Personal Belongings. Comprehensive insurance will cover the damages to your motorcycle if it’s stolen or vandalized, but not any items on the bike or in a compartment. Normally this will be covered under your homeowners or renters insurance policy.
Individuals not on the policy that live with you. Generally motorcycle insurance will only cover individuals on the policy and those who don’t live with you, but have permission to use the bike.
Motorcycle Loan for Totaled Bike. Collision and Comprehensive insurance will cover your bike’s market value minus your deductible. So if your motorcycle is worth less than you owe, you will need to make up the difference. Gap Insurance can be used to mitigate this risk.
Custom Parts and Equipment. If your motorcycle is damaged or stolen, motorcycle insurance will not cover the cost of custom add-ons. However, many policies offer an optional policy to cover this.
Business Use. If you use your bike for business purposes, you will need to purchase a commercial policy since these are excluded under most personal policies.