Bodily Injury (BI): Pays for medical costs and lost wages of other people if you cause an accident.
Property Damage (PD): Pays to repair damage you cause to someone else’s vehicle or property (fences, mailboxes, etc.).
Guest Passenger Liability: (Your requested topic)
What it is: In many states, standard BI liability excludes your own passenger. This specific coverage ensures that if you crash and your passenger gets hurt, their medical bills are covered.
Note: If you ever ride “two-up,” this is a critical add-on.
Collision: Pays to repair your bike if you hit another vehicle, a tree, or even if you just tip over while riding.
Comprehensive: Covers “bad luck” non-crash events like theft, fire, vandalism, or hitting a deer.
Custom Parts & Equipment (CPE): Standard collision/comprehensive usually only covers the “stock” factory bike. If you have added chrome, saddlebags, or a custom exhaust, you need this add-on to get paid for them.
Medical Payments (MedPay): Covers medical bills for you and your passenger regardless of who caused the accident.
Personal Injury Protection (PIP): Similar to MedPay but broader; it covers medical bills plus lost wages and sometimes psychiatric care.
