I have written a short article on Uninsured Motorist Coverage that talks about motorcycle and car UM/BI coverage. You can find the article at http://www.bikerlawblog.com/index.php?blog=6&title=car_and_motorcycle_insurance_uninsured_m&more=1&c=1&tb=1&pb=1

I highly recommend that all motorcyclist have at least 500k of UM/BI coverage. I am a California Biker and it is estimated that 25-35% of the population rides without insurance. Furthermore UM/BI will cover you if you are the victim of a hit and run.

This type of coverage is many times the only thing that will cover you if you get hit by an uninsured cager. It may cost a bit more, but in the long run it is worth it. Get as much as possible if you are a biker!