Join Date: May 2012
Location: Houston, TX
Thanked 33 Times in 21 Posts
Check to see which quotes have uninsured motorist coverage and which ones don't. It's optional, so it may not be offered when you call. On a cager policy UM add a couple of dollars, but on a bike it's 10X more expensive.
The reason is that if someone hits and runs you, (which is likely) you are very likely to sustain major damage to your body and bike. So it's very expensive. In a car it's not as easy for someone to cause you major damage and get away with it.
You can safely skip the uninsured property damage if you have collision. And you can maybe skip uninsured bodily damage if you have really good health insurance. But if you have to get life-flighted somewhere it's a $30,000 bill, so be prepared.