Insurance is must for us riders. In most states it is required by law, but even if it isnt you should get insurance anyway because you never know what can go wrong when you are out on the road, so protect yourself and others. Speak to your insurance professional to see if you are properly covered. Let them know everything that is done to your bike, otherwise you might be out of luck if anything does happen. Everyone is in this belief that the insurance companies are out to get you, most of them are not, they are really there to protect your investment. Just incase you didnt realize that includes yourself. But you have to make sure you are asking for the right coverages such as medical coverage, personal Injury coverage, and my requirment in my agency liability limits no less then 50/100. That should cover most incidents fully. But by no means is that full coverage. In my business there really isnt full coverage. There are only the amounts to cover your needs. Also when choosing deductibles dont put high deductibles because it is cheaper. Think about it first! My suggestion is, what can you part with at anytime with out hesitation. If you can afford to hand out $1,000 at anytime then chose that deductible, if you cant then dont do it, you will regret it later.

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Steven

Insurance can be a good thing, however it's not always available. Try buying an accident police that covers you in case of a motorcycle accident in West Virginia. It's not available. Your health insurance at work? Better check your policy closely. By Federal regulation you can be denied coverage if you are injured on a motorcycle, but it's OK to drive drunk. You would be covered, as long as you aren't riding when you get hurt.

My only option here is to buy the highest limits available of un/under insured coverage.

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"DUCK" WV

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

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Insurance Company