What Does Third Party Motorcycle Insurance Cover? 
Third party is referring to the person you injure if you were to be found negligent after an accident occurs . This is most commonly referred to as `` liability '' insurance on your policy and is expressed as `` bodily injury & property damage '' on your insurance declaration page under most circumstances . It may be abbreviated as `` BI-PD '' as a form of insurance shorthand . The limits may be expressed as a single limit for the `` BI-PD '' or as split limits shown as `` BI '' per person and per occurrence and `` PD '' per occurrence . Good luck . 