Prestige Insurance Center motorcycle insurance covers the motorcycle from damage caused by an accident as well as liability to other vehicles or injury caused to another party. Typically, you would make a claim through your motorcycle insurance policy in the same way you would an auto insurance policy.
You also get coverage for a number of accessories that are associated with motorcycle riding. As an example, your helmet, leathers, saddlebags, and backrest should all be covered. However, the insurance on these accessories is limited so if you have an expensive helmet or other accessories it is recommended to insure it separately.
This depends on the policy you have. Motorcycle liability insurance (the most general insurance type) will not cover your riding passenger in the event of an accident. To protect yourself and your passenger, it is recommended that you invest in comprehensive and collision coverage plans.
This will again depend on the policy you carry. Some motorcycle insurance policies cover track days, and others do not. Every policy comes with its own set exclusions, meaning if your policy technically does cover track days, your claim can be denied depending on the type of accident you had out on the track.