Motorcycle Liability insurance covers damage you might do to someone you collide with – this can be their motorcycle or other vehicle; or house etc. Also this includes personal injury that may occur to others. You must have Liability Insurance to ride on the street. It's the law. The following coverage options depend on your specific needs:

Medical payment coverage protects you if you carrying an uninsured passenger - or someone borrowing your bike who does not have any medical insurance. If you have a regular health insurance policy through your job for example, then in most cases your medical costs of an accident will be covered.

Collision coverage is for repairs or replacement to the bike cause by colliding with another object. This is subject to a deductible