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There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion.
Generally a motorcycle insurance company will pay out on comprehensive coverage claims up to the current cash value of your bike, minus your deductible. Your deductible is the amount towards a claim that you are responsible for paying before your insurance begins paying toward a claim.