US states require you to carry a minimum amount

It doesn't cover three Wheels trolley Manufacturers or your motorcycle. In most states, when blame is in doubt or the amount payable is contested, you and your insurer have to submit your differences to arbitration.

It depends on the laws of your state and the company issuing the policy. And, better coverage does not necessarily mean paying more for your insurance. So, you either cough up few thousand dollars for the medical bills and fixing your bike, or contact your insurance to take care of the bill. But it gives you a protection from a lawsuit.

Your motorcycle is a major investment, one that is certainly worth protecting. Although most US states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. The trick is that in order for this coverage to kick in, the other driver has to be declared at fault.

Liability coverage protects you if you (or another person driving your car with your permission) injure or kill someone or damage property.