Every state is somewhat different. In Louisiana, your BI (Bodily Injury) coverage covers the people you hit if it's your fault, as well as your passenger. Again, this only kicks in if it's your fault and doesn't cover YOU. You need Medical Payments coverage to actually cover you. If you have health insurance, the auto insurance pays first.
Again, every state is different, so ask an agent for state specifics.
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2018 Road Glide Special - Wicked Red