I learned from personal exp. I do disagree with the comment regarding the out of state travel.
Insurance goes with the vehicle.
Any bodily injury that may happen to you from an accident with the covered vehicle would come from your Medical Pay on your policy. 4 Ryders for all the chrome and your leathers 5 Replacement that means replacement. I have Dairyland and they insure all my friends. I still had to tell the agent what I needed not what they thought I should have. I learned from personal exp.