What should a rider do to ensure they have the appropriate insurance coverage?

To ensure appropriate insurance coverage, a rider should check with their insurance provider for motorcycle-specific coverage. This is crucial because motorcycle insurance needs can differ significantly from car insurance due to the unique risks and liabilities associated with operating a motorcycle. Motorcycles are often held to different safety and liability standards than cars, which is why a rider may need policy features specifically designed for motorcycles, such as coverage for theft, collision, and liability that reflects the greater risk involved in riding.

It's also important to understand that having the right policy can protect against personal injury and property damage and ensure compliance with state laws regarding insurance requirements for motorcycles. Each motorcycle may also come with its own specific needs based on its value, horsepower, and the rider's history, so consulting with an insurance provider can help tailor the coverage to the individual’s situation.