Sometimes, the at-fault motorist in a motorcycle accident may not have sufficient insurance, or they may not have any insurance. In these cases, you may not be able to recover damages from that motorist, which is why you need to make sure you have uninsured/underinsured motorcycle insurance coverage. Umbrella insurance policies may also be ideal to purchase for added financial security in the event of a motorist accident. Through your own insurance coverage, you may still be able to recover compensation following a motorcycle accident, even if the other motorist carries little or no insurance. Even if you do not have your own insurance, you may have insurance under a family member’s policy, which could include uninsured motorcycle coverage. However, many policies require that family members of policyholders live in the same household. If you were a passenger on a motorcycle when an accident took place, you can also check to see if the motorcyclist has insurance, as this may cover you along with your own insurance.