In 32 years of personal injury practice, I have represented thousands of individuals injured in motor vehicle accidents. I can tell you that people who are injured while riding motorcycles suffer far more serious injuries than those in cars or trucks. Unfortunately, in many of these cases, the "at fault" driver either has no insurance or insufficient insurance, and the motorcyclist has NO insurance. As a result, any compensation for these life changing injuries is often minimal. You can and should protect YOURSELF by purchasing motorcycle insurance - it will provide you with uninsured motorist protection in the event you are injured by someone with no or insufficient insurance themselves. And, you should have limits of NO LESS THAN $250,000.00 per person. You should also have medical payment coverage of at least $5,000.00, even if you have health insurance, but particularly if you do not. If you need further advise of the right amount of motorcycle coverage, please feel free to give me a call for my free recommendations.