Motorcycle insurance coverage when you're not at fault
By Allstate
Last updated: February 2026
If you own a motorcycle, you might consider riding your bike more than a fun pastime; it's a part of your identity. Unfortunately, you can't control the actions of other road users, and according to the Insurance Information Institute (III), more than one in seven drivers are uninsured. Add to that the number of motorists who don't have enough insurance coverage, and there may be significant risk of being stuck with all of your medical and repair expenses. Fortunately, some insurance providers offer coverage options that may help protect you in these types of situations. It's important to understand that uninsured and underinsured motorist coverage requirements vary from state to state, so if you're in the market for this type of coverage, speak to an insurance provider to find out what options you may have.
How can motorcycle insurance protect me from uninsured drivers?
There are two types of uninsured and underinsured motorist coverage you may be able to add to your existing insurance policy.
Bodily injury coverage.
If another driver is at fault but doesn't have any or enough insurance to cover your costs, bodily injury coverage can help pay for damages resulting from your or your passengers' injuries.
Property damage coverage.
If your bike and/or property is damaged in an accident and an uninsured or underinsured driver is at fault, this type of coverage may help pay for material damages. This coverage may not be available in every state, so check with your local provider to find out if property damage coverage is available in your area.
There are also other options generally available. Comprehensive coverage typically pays for damage or loss caused by something other than a collision, such as fire, theft, vandalism, windstorm or hitting an animal. Collision coverage typically pays for damage to your bike if you collide with another vehicle or something else, such as a parked vehicle, construction debris, guardrails or fences. If someone hits your parked motorcycle, this is considered a collision as well. But understand that some states don't allow both because they are considered duplicative.
Talk to your insurance provider to understand what coverages are available in your state, so you can hit the road with peace of mind.