MY FAVORITE THING ABOUT JUST CARRYING.. ( caps sorry ) liability is that when some asshole comes and steals your bike.. you dont get any sort of compensation.. Full coverage here folks unless you dont mind springin the cash to replace your ride. I have full coverage through USAA and i think i pay like 10 bucks a month. FULL COVERAGE IS WORTH IT! Just ask people who have been robbed with only liability. Use your noodle.