January 2nd, 2012
In traditional car insurance terms, liability coverage pertains to coverage extended to other people in your car -- and it’s almost always mandatory. The thinking is that some passengers lack medical insurance and the national economy needs to be protected from injured folks who can’t pay their medical bills.
Liability coverage for motorcycle drivers is more optional; it’s called guest passenger coverage, and if you truly believe you will never have any passengers on your back then it could be a way to save money on insurance. We don’t recommend this path, but it’s obviously a personal choice.