Quote:
Originally Posted by HoneyBadgerRy
PLPD or personal liability and property damage is the bare minimum. I really don't see the need for anything more. If I wreck and damage my stuff I'll pay for it, I don't want the insurance company marking my bike totaled. If somebody wrecks into me, their insurance will cover it, and I don't have to worry.
I have health insurance, so I don't need my motorcycle insurance to cover anything.
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You're assuming they have insurance. You're also assuming they will pay out and you won't have to worry and all costs will be covered. Probably not.
You're assuming your health insurance will cover everything. It probably won't.
You're making a lot of assumptions that things will always work out in your favor.
They won't.