This coverage is different from an auto policy in that cycle medical payments applies only to the driver and a deductible applies. This pays for damage to your cycle that is caused by anything other than collision or overturn. Generally contact with an animal is also covered under comprehensive. The coverage pays up to the actual cash value of the bike less the deductible. The higher your deductible, the lower your premium.
Theft is covered under comprehensive.
This pays for damage to your cycle when you hit something or the bike overturns. Payment is for the actual damage amount less your deductible up to the actual cash value. You can control your premium for this coverage by choosing a higher deductible. Many companies sell comprehensive and collision as a package and do not offer the coverage separately. This is equipment added to your cycle after it left the manufacturer.