Just heard back from my insurance agent -- while the other party is covering it due to this being at fault when I heard that my own insurance didn't cover any gear but my helmet I was pretty surprised. I asked about a rider and I just got the call back -- there is no way to get State Farm to cover my gear beyond a clothing policy (which protects it against theft and such but not a bike accident).
I brought up that this gear saved me from the hospital and my agent agreed, but the underwriting department just doesn't give any leeway here.
Anyone have any solid bike insurers in Nevada? I love my agent but it may be worth moving just my bike policy elsewhere for better coverage.