If the driver who hit me does not have a good insurance policy, can I use my own policy?

Yes, if you have Supplemental Underinsured Motorist (SUM) Coverage on your motorcycle policy. Under the terms of your SUM Policy, you will receive additional protection in the event the driver who hit you has a bad policy. In other words, if for example, the driver who hit you has only a $25,000 policy, but you have a SUM policy that has, for example, a coverage limit of $100,000, you can pursue the difference between these two policies, totaling $75,000, from your own policy.