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Join Date: Aug 2010
Location: Birmingham Alabama
FW, I applaud that you have top quality medical coverage. With Barry Obama's plan, very few will have that luxury. Off my soapbox now. The "Medical Expense" part of most insurance carriers's policies is a very broad & very affordable coverage to carry. It is normally a throw in for the liability and physical damage portions of the Motorcycle insurance policy, but, As you've seen , some states have a proven history of higher claims, ergo, a much higher premium.
The most recent tragedy involving the hit & run that killed all those innocent riders points out the fact that it will be years before any of the insurers sort out "whom" is responsible for all the medical, emergency and police expenses caused by this wreckless prick. We all put our lives at greater risk to ride virtually unprotected among, for the most part, resentful cagers that have very little concern for anyone's space but their own.
It is a trade off.
I always suggest to my clients that ALL insurance is "sleep protection". Each consumer needs to buy the limits of coverage that they are comfortable with.
Insurance companies ain't your pals, they ain't your good neighbors, you ain't in good hands. Pick where you feel vulnerable and buy the coverage that protects against that.
All you need to do is go online with 5-6 different carriers and check out their prices. It will take an hour but well worth your money. Unless you are buying from a long time familty friend, it is like buying eggs at the supermarket. Is there that much difference in grade "a" Large or Grade "A' extra large.
No insurance covers everything that can happen.
I carry much more liability insurance than I should but I never want my family to be beholding to someone because my riding error caused someone else harm.
Your medical insurance should not have any exclusions for injuries resulting from riding a 2 wheeler. If it does, then fill in the gaps with your motorcycle policy. If not, then sleep well tonight and ride safe in the morning.
Sorry for the long reply but as you know, you can't ride without insurance and the money grubbing insurance carriers will sell you anything you will buy.
Most likely you have got adequate coverage but I would take that time to hit the websites of all the "Motorcyle specialist"
and all the regional guys like they have in Maine.
Hope this helps
2006 w/ 3124mi.
new to me Aug. 2010
Mustang One Piece Studded
H4 Bright White Headlight
ALAS sold to a great guy in Birmingham