[Jiggles]

Alex has made a good point and I should also point out that my reasoning for wanting high liability (250k+) is so that it also raises the uninsured/underinsured. I think it is quite unlikely that you would ever need 100k liability, your motorcycle isn't going to cause that much damage to someone unless you ran them over, but it's clear (just by looking at this thread) that most people drive around without enough coverage and many without coverage at all. So what happens when that guy who makes $9/hr runs you over with his only asset and a 30k policy? You'll be wishing you plopped down that extra $50/yr for a 250k with underinsured