Quote:
Originally Posted by JKAHD
Medical Insurance and cycle insurance do not cover the same things. First off, most of my cycle insurance customers do not buy no fault or Under/Uninsured coverage due to cost. That can be a bad decision if you are involved in a one vehicle crash or you are the at fault driver, or the other guy has no coverage to pay you. Medical insurance may pay a hospital bill but it will not compensate you for a lost limb, eyesight, disfigurement or loss of income. My advise would be to at least carry U/U limits of $100,000.
I will not solicit business on this forum. Anyone who has questions on coverage email me and I will do what I can to help.
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+100 on the UM/UIM! I'm an agent in Indiana and this is the one coverage I preach about. Also remember that if you are hit by an uninsured driver your uninsured motorist will only pay out based on the coverage you have for yourself. So carry the coverage you would want someone else to have if you were collecting on there coverage. IE...if you do not carry comp/collision on your bike do not think they will fix it if you are hit by an uninsured motorist.
As for med pay...it does not save you that much to exclude it. It's generally less than $100 per year. In the event of an accident you'd rather be over insured than underinsured.