What is the main purpose of motorcycle insurance?

The main purpose of motorcycle insurance is to help cover the costs associated with accidents, theft, and liabilities. This type of insurance provides financial protection for the rider in the event of a collision, injury, or damage caused to others. It can cover medical expenses resulting from accidents involving the motorcycle, property damage to other vehicles, and other liabilities that may arise. Additionally, if the motorcycle is stolen or damaged beyond repair, the policy may cover those losses as well.

The other options address aspects that are not typically covered by motorcycle insurance. Maintenance costs and fuel expenses are ongoing operational costs that the rider must bear independently, while insuring the rider's gear might not be included in standard motorcycle insurance policies, which primarily focus on the motorcycle itself and related liabilities. Therefore, the correct answer encompasses the essential protective role that motorcycle insurance serves for riders in the face of various risks associated with riding.