Like other motorists, motorcycle owners are required to buy liability insurance for their vehicles. A valid insurance card should be carried at all times. Liability insurance provides financial protection when there is an accident where the insurance holder in question is deemed to be at fault. Basic liability coverage for motorcycle or motor scooter owners provides the following coverage:
$25,000 for property damage for which the insured person is deemed responsible
$30,000 per person or $60,000 per accident for bodily injury, to pay claims to those who are injured or killed in an accident
These amounts are the legal minimum coverage that the state requires you to have as a motorcyclist.