Motorcyclists make up a small fraction of the vehicles that occupy our roadways and, due to weather conditions and changes of seasons, the number of cycles in operation changes drastically throughout the year. While motorcycle operator's driving considerations are quite different than persons operating other, larger, enclosed vehicles; there is one, major similarity…..the need for insurance protection. Most states have financial responsibility laws requiring you to carry proof that you are able to pay for any damage or injury you may cause while driving. Auto insurance is the way that most people comply with these laws. Typically, drivers are required to carry liability insurance at some minimal limit that varies by state