Give the same careful thought to insurance coverage that you did to choosing your bike. The decisions you make can severely impact your financial health.  It’s bad enough to be in a motorcycle wreck but its really bad to discover that there is not enough insurance coverage to even pay your medical bills

Despite all the clever insurance company ads, under current law, your insurance agent is not required to make sure you have reasonable coverage for your situation.  Basically North Carolina law puts the burden on you.  The agent is only required to do what you instruct them to do.  You might want to write your state legislator about this.

Many Bikers put themselves at unnecessary risk because they, like most people, do not fully understand insurance and no one bothers to explain it.  Many of us Believe We Have Full Coverage When We Do Not.  You should review your insurance coverage options regularly and ask your insurance agent specific questions about what he or she is doing to protect you.  That’s what insurance should be all about -- but an insurance company’s real motivation is profit.  “See Follow the Money”

Motorcycle insurance can protect you in two general ways

   First, it can protect you against claims made against you.
  Liability Insurance:  If you're in a wreck and if you are at fault, you will want enough liability insurance to compensate anyone else involved for any bodily injury and property damages.  The risk of not carrying enough insurance is having the sheriff show up and taking you’re your stuff to pay for the damage you caused (Click Here for more information about liability insurance)
 Second, it can protect you and your stuff.
   Uninsured or underinsured coverage.  If an accident isn't your fault, you don't want to pay for the other guy's mistake because he doesn't have enough insurance coverage or doesn’t have any insurance at all.  Uninsured or underinsured coverage typically covers damages caused someone that has no liability coverage or less coverage than you do and damages exceed the other party's coverage.  (Click For More Details)
  Medical Payments coverage, Collision and, Comprehensive coverage You can also buy specific insurance to protect your property and pay medical and other expenses regardless of fault.  Click any of these items for more information about it.