ItIsWhatItIs
Banned
Unless I'm very much mistaken regarding insurance, liability is for what harm you do to someone else. Not to yourself.
Most people are very under insured for life insurance. I strongly recommend that if you have dependents you review your life insurance with someone who knows the game. As an example, I had mortgage insurance for a long time. Turns out that even with a good job that includes good life insurance and with mortgage insurance I was going to leave my dependents in a financial hole if I checked out early. I got term life insurance for a lot less than the mortgage insurance and with far better payout. Now I risk my life with financial impunity! And not by riding a motorcycle. I think some people have this belief that motorcycles are certain death on wheels. If you feel that way you should not be riding. Unless you're suicidal, in which case don't ride near me.
Ontario has mandatory accident benefits for the policy holder. This includes medical rehabilation and income replacement. If you doubt this go to the insurance category.