Your motorcycle insurance policy will likely have uninsured motorist coverage, and if you were hit by a driver who had no insurance, your insurance company then becomes responsible for compensating you for the loss of your motorcycle, your medical bills, pain and suffering, as well as any lost wages that resulted from the accident.
Some bikers are hesitant to file a claim against their own insurance company for various reasons, all of which are usually misguided.
Remember, YOU pay your insurance company money to protect you and your bike from uninsured drivers. This piece of your policy is designed to compensate you in these instances.
Never think that you shouldn't file an uninsured claim simply because it's your own insurance company. This is faulty thinking that could cost you thousands.