Thank you for doing such an awesome write up! I'll be honest and say your description fits me perfect. ATGATT (riding around, it amazes me to see how many people ride with no gear, not even gloves!), but having the minimum policy figuring "how much damage can be done." I also never really understood the ins and outs of insurance too, so your post was very enlightening to someone like me. I'm just about at the end of my season now with a few days left (school year's starting up), but I certainly am going to look into upping my policy for next season.
