It depends, and it depends on many factors. Under-insured motorists coverage, when it comes to motorcycles, can be very complex. Usually if you are on your own motorcycle, you will not have under-insured motorist coverage unless there is stacking coverage, which means you have multiple policies, more than one, that are stacked together. And under those circumstances usually there is under-insured motorist coverage. Also, if you are on someone else’s motorcycle and it is not your motorcycle, then you could potentially have under-insured motorist coverage. But you need to have an attorney look at those policies to make that determination, because it’s not an easy answer.