By paying a premium for uninsured motorist coverage for the motorcycle listed on your policy, this coverage will pay damages for bodily injury which any insured is legally entitled to recover from the owner or operator of an uninsured motor vehicle. An uninsured motor vehicle means that the driver does not have coverage to pay for damages to others. In some cases the uninsured driver will pay out of pocket, but this is not the standard. For this reason, you can opt to protect yourself from such situations and file a claim through your policy. For this coverage to take effect, the bodily injury must be caused by an accident and arise out of the ownership, maintenance, or use of the uninsured motor vehicle.