The kind of insurance that motorcyclists should have, most importantly, is as much underinsured/uninsured motorist coverage as they can possibly afford Uninsured motorist coverage covers you in the circumstance where the person who hits you doesn't have any insurance

Underinsured motorist coverage covers you in those circumstances where, maybe, the person who hit you only has the state minimum $25,000 limits You can stack your underinsured motorist coverage up on top of that, so you have a bigger pool of insurance money to go after And so the higher your limits, the more protection you're buying for yourself