• Uninsured/underinsured coverage: Use this protection if another at-fault driver does not carry enough liability insurance (or any at all). This protection can help you pay for your own damage for which someone else was responsible. 
  
• Personal injury protection: Pays for your own medical needs following a wreck. 

In some cases, you might be able to decline certain portions of required coverage. For example, if you can self-insure, you could possibly decline certain coverage. Still, you should never go without the proper financial protection. 

Other Coverage to Add to Your Policy 
Remember, your state’s required coverage is set at minimum levels. You’ll likely need expanded coverage to protect the true value invested in your bike. 

• Ask your insurance agent to increase your liability limits. This move can help to make your potential duty to others more secure. 
  
• Consider buying collision coverage. This protection can help you pay for damage to your own bike following a wreck. 
  
• Also ask about comprehensive protection. It can pay for your bike's damage from non-accident hazards like fire, weather or theft. 
  
• Many policies offer roadside assistance, towing or rental car coverage. Therefore, following vehicle problems, you’ll have protection for residual costs. 

Remember, the limits you select on your policy must reflect your own bike value and driving risks. Help your agent understand the full financial investment you have on your bike. With the right coverage, you can make yourself much more secure.