Wildguzzi.com
General Category => General Discussion => Topic started by: Bpreynolds2 on January 06, 2020, 07:29:28 PM
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Hey all, this board is always a source of great information even aside from motorcycles; thus, I’m asking this question. Couple years back my wife and I switched our home/car insurance to State Farm. The other day I got a letter from them asking me to sign a form (optional in KY) if I was going to deny/reject the uninsured motorist coverage. In KY if you don’t want this you must sign a form saying so. What’s so bizarre is I am 49 now and don’t ever recall signing one of these forms in the past with Kentucky Farm Bureau nor even on the car policy several years ago with State Farm. I did recently swap to an older car for myself but I have no idea if that has anything to do with it. Anyhow, so 2 questions then.
1) Should I reject this?
2) Any ideas why I’m just now seeing one of these forms?
Thanks. Any input much appreciated.
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If there is on thing a person needs, it's uninsured/under insured motorist coverage.
I have no idea why you'd want to waive that coverage.
To answer your question, anytime you waive a coverage like that, they'll want a signed waiver to cover their asses.
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Even in Arizona with mandatory insurance laws we still have a very high rate of uninsured or underinsured accidents. Catch 22/necessary evil, better to have it and not need it than theother way around. My $.02
Paul B :boozing:
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In most states uninsured/under insured coverage only covers medical expenses . I would contact your agent and ask questions .
Dusty
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In most states uninsured/under insured coverage only covers medical expenses . I would contact your agent and ask questions .
Dusty
Good point, Dusty. It seems obvious you’d want it if it covers the vehicle but if it only applies to medical coverage - and you have health insurance - then I dunno.
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Good point, Dusty. It seems obvious you’d want it if it covers the vehicle but if it only applies to medical coverage - and you have health insurance - then I dunno.
I really have no idea what Kentucky law says about uninsured coverage , it can help cover deductibles and in most cases will cover passengers in your vehicle who might not have health insurance . Once again , I would contact your agent and ask questions , laws vary a bit state to state .
Dusty
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Even in Arizona with mandatory insurance laws we still have a very high rate of uninsured or underinsured accidents. Catch 22/necessary evil, better to have it and not need it than theother way around. My $.02
Correct. You buy insurance to insure you against others.
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I insure for quite a bit more than the minimum for liability in case I (or one of my kids) makes a mistake. I have good health insurance and have decided to decline the uninsured coverage. I also do not carry comprehensive or collision on anything except my wife's new car, which has a loan on it. I think insurance as a whole is a waste of money - because insurance companies make a lot of profit and I don't like betting against myself. I'll probably reduce my liability once the kids have their own insurance. I can't tell you what to do, but those are my thoughts.
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Do not reject it.
If you are struck by a hit and run driver as is too common for motorcyclists the driver who fled the scene of the accident is automatically assumed to be uninsured. You or your lawyer can then file a claim for medical AND property loss and get a settlement. I speak from personal experience as the victim of a hit and run in April of ‘19. Speak to your lawyer to confirm laws are similar in KY. I’m in GA.
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Just a follow up. In Jan. of 19 I was hit while on my motorcycle by a driver who was driving a rented van but was not listed as an authorized driver. The renter of the vans insurance was progressive, and the renter was in the van at the time. Progressive said nope, not insured. Rental agency said nope, not liable. My insurance (also at the time progressive) would have filed a claim under my uninsured drivers policy. But it turns out the drivers insurance company would cover him. But it took me 3 months of fighting with three different insurance companies to get the settlement for my motorcycle. If he’d had cut rate insurance I would have been up a creek if I hadn’t had it. Just more food for thought.
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In most states uninsured/under insured coverage only covers medical expenses . I would contact your agent and ask questions .
Dusty
Exactly. That is true in Pennsylvania. If you have your own medical coverage, exactly HOW would the uninsured/underinsured coverage help you? You cannot "double" collect insurance money.
I'd really like to know, as I have always rejected this coverage (I have good medical insurance).
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Exactly. That is true in Pennsylvania. If you have your own medical coverage, exactly HOW would the uninsured/under-insured coverage help you? You cannot "double" collect insurance money.
I'd really like to know, as I have always rejected this coverage (I have good medical insurance).
You must have pretty good medical insurance if you don't mind footing the bill for your deductibles, co-pays, medical equipment, ambulance ride, physical therapy co-pays etc etc etc after some uninsured jack-off hits you. I don't have great medical insurance (more or less catastrophic policy) and i would be on the hook for thousands in 'hidden' 'extra' costs if someone hit me and they had no insurance... Because those charges arent covered by my insurance. What about your vehicle, lost time off work, pain and suffering, rental vehicle while yours is repaired, etc??
IMHO Liability & uninsured motorist is the absolute minimum you need.
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I regard any form of insurance as simply a form of legalized gambling. Uninsured coverage is usually inexpensive and well worth the peace of mind. We hope to never use it, but good to have.
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Uninsured motorist in Floriduh is $260.00 per bike (X 5=too much money) because there are lots of uninsured motorists out there. When I changed to Progressive on the cars we stacked the coverage to the bikes and now I’m covered. In NY state my uninsured coverage was $1.00 per vehicle/bike.
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If you are planning to die at the scene of a collision, you don't need uninsured motorist coverage. But, if you have an extended period of hospitalization before you die, then someone in your family has to pay for all of the deductibles, etc. Better to spare them the burden and get the insurance.
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I would bet the form is rolled up into whatever medical insurance/medicare expansion rules that the state has implemented.
This is not a political statement. This is only a possible explanation why KY is doing this now.
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Once again , insurance laws and rates vary from state to state . Any licensed agent in a state will be able answer questions . Comprehensive and collision , normally shortened to *comp* will in most states cover any property loss caused by an uninsured motorist beyond your deductible , and UM will normally cover only medical . A few minutes with an agent can answer any questions .
Insurance is only expensive until you need it , not unusual for one big claim to run well into six figures , and most of us never pay anywhere near that much in a lifetime .
Dusty
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If I can afford to take the hit I always decline coverage, it's a numbers game, that's how the insurance companies make money, big medical bills may be above what you are comfortable with. Obviously it's your choice how much risk you are willing to take, but going through an insurance company to buffer your costs is an expense you choose whether or not to pay.
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i have a personal experience on this i was involved in an accident and person took off , after trip to hospital and having health insurance still had to come up with over $3000 for deductible and co pay, the reason i had drop uninsured motorist 12 years prior because of the cost at that time. Looked into after the fact and uninsured motorist is very small , about $25 per year per vehicle lesson learned too late .
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I regard any form of insurance as simply a form of legalized gambling. Uninsured coverage is usually inexpensive and well worth the peace of mind. We hope to never use it, but good to have.
In betting terms it has a high expected return especially in States that allow "stacking" of converge. When we had our "incident" we had 3 vehicles insured at $50k/ea for a stacked total of $150k. It made the whole process of dealing with the adjuster much easier; no lawyer required!
And just to be clear, if you are not at fault in an accident these days you will most likely be dealing with your own insurance anyway. Some States have $10k and $15k minimum coverage and that's assuming the other vehicle has at least some coverage. When a Toyota Corolla cost more than $20k then you see that you are at risk, without underinsured/uninsured, the moment you drive off the lot.
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Good discussion. I am going to take another look at the uninsured coverage. I don't think it was terribly expensive - but just seemed an unnecessary expense at the time that I declined it. Though somewhat small, it does add up with 5 licensed drivers in my house and one of them (me) having multiple vehicles.
Now I'm straying a bit from the original topic a bit, but the biggest savings is not carrying comp and collision if you can afford to replace the vehicle after a total loss.
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I was talking with my agent a few years back about this ... I suggested I drop all my insurance and let the other person's uninsured motorist insurance cover things ... I was messing with them, and they panicked for a few minutes. :grin:
In CA, things are pretty bad. First, there is really no connection between having legal license plates and insurance. No DMV or agency checks it. So totally easy/possible to have your car registered and have no insurance. Add to that, insurance is very high here. So TONS of people driving around with no insurance. But, our uninsured motorist coverage is also pathetic.
As others have suggested, talk with your agent, discuss scenarios ... like an uninsured motorist is 100% at fault, totals your vehicle, and causes you $50,000 in medical bills ... what would the uninsured motorist insurance pay? I don't remember the CA answer, but it was bad, like 0 on the vehicle, and like $5K on the medical, which my existing medical insurance would cover anyway ... so for me, it was just extra money for my insurance company with no real extra coverage.
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Good discussion. I am going to take another look at the uninsured coverage. I don't think it was terribly expensive - but just seemed an unnecessary expense at the time that I declined it. Though somewhat small, it does add up with 5 licensed drivers in my house and one of them (me) having multiple vehicles.
Now I'm straying a bit from the original topic a bit, but the biggest savings is not carrying comp and collision if you can afford to replace the vehicle after a total loss.
Since no one has a lien on any of my cars or bikes, and thus can't require me to carry insurance on them, I just have "liability" (required by the state) and "uninsured motorist" coverage. My vehicles are at very low risk of being stolen, hence no "comprehensive", and I figure that if I dent or wreck a car or bike (which I haven't done in 50 years), then that's on me to fix, so no "collision" insurance.
So far that bet has been paying off. I've probably saved $60,000 in insurance premiums over the years, and if I have to replace a vehicle, I'm still money ahead .... !!
In Virginia, the insurance companies and the state DMV share the same database. If the insurance company notices that you've dropped your insurance, you will instantly get a nastygram from the DMV saying "Buy insurance now or we'll cancel your tags and registration". Similarly, when you buy tags, the transaction won't go through unless the database says your insurance is up to date. You CAN insure a car with no tags if you'd like to do that, but that doesn't help anyone ....
Lannis
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Here is the exchange with my State Farm agent:
Hey (deleted), hope the new year finds you doing well. This is something I’ve been meaning to follow up with you (or someone there in the office) about for a while now. Apologize that I haven’t gotten back with you sooner, just want to be clear on what I’m rejecting per se.
Quick question. In KY, the uninsured motorist coverage only applies to medical bills, is this correct? It doesn’t apply to the auto itself or am I confused? If it’s only with relation to medical coverage then I have our own health insurance so we will probably reject. Just trying to be clear on what I’m rejecting.
Any help much appreciated.
Brian
Response:
Hope all is well with you and the family!
This coverage is for medical bills due to bodily injury in a car accident when the other person has very little insurance or no insurance it also can help with loss of wages.
In Ky you only have to purchase on one car in the household so it extends to all vehicles so the rejection form is stating that you only want to have it on one car not duplicate it. The form is worded so difficult.
Hope this helps
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yadaya
Having been thrown out of a Corvette and into the ground and breaking my back, I was glad to get the $10k from insurance after my medical insurance declined my coverage when I was on my back in the hospital for a week. It was not good news to hear the day I got home. So the $10k turned it all around. Luckily there was no subrogation and it worked out to my advantage. This was "medical coverage" on my car, I wasn't driving but analogous uninsured motorist.
I would never turn down insurance coverage. Especially if it's pennies on the hundreds of dollars from a credible company. "Credible" is another operative term and if it's cheap, check the box.
You're not going to win or beat the system. You'll pay up and hope to break even. That's as good as it gets.
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If you have deep enough pockets, you can afford to "self-insure." Like some here, I never carry collision after a vehicle I own free and clear depreciates down to below my personal "pain threshold" of how much money I want to lose if it's totaled or stolen. Medical and liability exposure are another matter: how high is up? Four figures, Five figures...six figures? There's just know way of knowing what the total costs could be so I insure accordingly. After an accident, no one ever said, "Damn, I've got too much insurance!"
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This was a hot topic on the V11 board a decade or so ago, and I see it continues. I was an insurance agent for years, and discussed this many times. While it is called "Uninsured/under-insured motorist bodily injury coverage" or something similar, it pays for expenses resulting from a bodily injury. Lost wages, medical devices, co-pays and medical deductibles all fall under this umbrella, not just doctor bills.
In some states you can get both uninsured/under-insured motorist bodily injury coverage, and uninsured motorist property damage. I carry both. I have medical coverage, but that won't replace my wages if I can't go back to work for days/weeks/months after an accident. It won't pay for modifications to my vehicles or home that I may need during my recovery or for the rest of my life. It won't pay for the deductibles and co-pays. A shattered leg or pelvis, or a TBI will generate cost and lost income that can far exceed the hospital bill, and your medical insurance will cover none of it. The UM Property Damage has a deductible of $200, a limit of $10,000 and cost me $9.70 a year. I am willing to bet the value of my Suburban that I won't wreck it, so I don't carry collision on it. But for less than $10 to be covered if some drunk with no insurance totals it? I am all over that.
Carrying the state minimum required liability limits on a motorcycle is a fool's errand, too. In most, if not all states, you are not allowed to provide yourself better coverage than you do anyone you hit, so your uninsured motorist coverage can't exceed your bodily injury liability limits. If your state requires $25,000 per person liability, and that is all you have, that is all you will have for uninsured motorist. That would not begin to cover your non-medical losses if you were seriously injured. What if you had a passenger? I have reduced my limits since my kids are off my policy and my mileage has dropped to less than 8,000 miles a year, but I still have $250,000 per person $500,000 per accident so I can match that in uninsured motorist. Why? I have life insurance that will replace my income if I die. But what if I live but can't work? What then? $250,000 will only replace a few year's income, but it is better than nothing and gives us time to adjust and plan. And if you happen to have a bad day and cause an accident that kills me, your $25,000 policy is not going to protect you from my very angry wife who will come after you for the last 10 years of my potential earnings, and any other expenses she had that exceeded your policy. Your dreams of retirement are gone in a heartbeat.
I live in a rural area, and just about any accident while I am out and about will require a helicopter ride. $125 a year covers both my wife and I if we ever need it. I may go 10 years without using it, but at $125 a year, it would take decades to pay back the cost of a single flight, so I am willing to pay it.
Insurance is like dog food- the 25 pound bag is $20, but for just $7 more you can get 40 pounds. Additional liability, and additional uninsured motorist, is relatively cheap. Ask your agent, and then ask two others from competing companies. You will be surprised what an additional $50 a year will get you. And remember, insurance is to protect what you have, not a gamble of what you might have to pay. Cindy and I have scrimped and saved so we could have a comfortable retirement, and I am not willing to give that up to save a couple of bucks on coverage. If I never need it, it is not money wasted, it is an expense I was willing to pay to make sure what I spent a lifetime culling together stays mine.
So please, think this over carefully. You don't want to wake up in the hospital, surrounded by your family and friends, and wish you hadn't survived so they would at least have the life insurance.
Ryan
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If you are at fault in even a fender bender you can bet there will be some sort of legal action these days. Just watch the morning news without skipping the commercials and you will understand (Dial All Nines!). In order to fit the lawyer's 40% in they will try all sorts of ways to get beyond your minimum liability converge. So in addition to carrying additional liability coverage I would also talk to my agent to make sure there aren't any "backdoors" to increasing your liability.
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Well, let me paint you all a picture from personal experience...
Little over four years ago, I was nearly kilt by a cager while on my motorcycle. Old dude, prior DWI, though he was sober at 9am on a Tuesday morning. His insurance was the NY minimum... all he had me covered for was $15,000. Thank God I had uninsured motorist coverage... because one week in the ICU, three weeks in the regular hospital, and two weeks in a rehab center learning how to walk again. Ended up with 15 different surgeries all told, one medical transport service bill, one ambulance ride, and a helicopter flight. I was over $200,000 worth of medical bills, thankfully, between the uninsured coverage and my medical insurance, I was covered in full.
This class of insurance is covering yourself in case someone else does something stupid and you get hurt. Yes, you could take them to court for damages. In my case, the guy that hit me had already lost everything from his prior DWI. He had a beater truck and was renting a crappy apartment that I likely wouldn't leave my dog in... so suing him, even if I won, he had nothing to pay me with, and I would have had a pile of bills to handle.
JMHO, YMMV
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Bingo.
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I saw a few years ago a 60 minutes style story about one of these "Fix everything wrong in your life" hucksters that recommended dropping this coverage so his devotees could save a couple bucks. One of his faithful got killed by an uninsured driver, leaving the family penniless, and they successfully sued the huckster when they found out he hadn't dropped his own coverage.
They may have actually changed laws and notifications because of this, which is why you're seeing it now.
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<SNIP>
This class of insurance is covering yourself in case someone else does something stupid and you get hurt.
</SNIP>
This sums it up.
My friend was in a pretty bad T-boned a few years back when he was on a road trip from Seattle to Portland.
The other driver had only the minimum which covers less than half of what his car is worth, let alone the bill of his medical.
If weren't for this insurance, he would had to pay for thousands of medical bill and loss of wage. He is self employed.
Long story short, I don't know how it is varied between states to state, but it is a small price to pay and not a place you want to cheap on on especially on a 2 wheel.
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In most states uninsured/under insured coverage only covers medical expenses . I would contact your agent and ask questions .
Dusty
I thought about reinstating my uninsured motorist coverage after my Odyssey mini-van hit a car that ran a stop sign and drove into my lane of moving traffic from a side road. I almost got stopped and didn’t hit the car hard enough to disable it, and the driver took off like the proverbial bat according to the folks behind me. The Jeep directly behind me was just able to stop, but was rear ended by a pickup and a young couple in a nice suburban full of kids totaled their Suburban slamming into the pickup. The city policeman said it was shift change at the chicken processing plant on the corner of that intersection, so you can do the math about the legality of the driver.
I had just installed a dash cam in the Odyssey and was able to give the police a video of the car pulling across traffic and the impact, a photo of the car, driver, and passenger, the make model and year of the car, and even a list from the county assessor of the names and addresses of all the owners of that model and year of car in the county. Now here’s the interesting part. The policeman said he could not locate the car or driver without a license plate number.
Oh yes, I confirmed that uninsured motorist coverage in Arkansas covers only medical bills so even if I had it, I would still be out the $1500 damage to the Odyssey and the other folks are most likely out the damage on a rear ended Jeep, a smashed pickup, and a totaled Suburban, while an uninsured and likely undocumented driver gets off Scott free because the police were not inclined to make the effort to look for someone who could just fade away. Perhaps we need an insurance policy that will cover the cost of hiring someone to find those drivers the police are not inclined to look for.
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Recently my wife was involved in a parking lot incident. Basically, she was parked at the grocery store and opened her door to get out of the car. A truck pulled in and nailed her open door. Luckily she was not hurt but the repair bill was $1800 for a new door. After much discussion between the insurance companies mine decided that there was too much 'he said, she said' to take the claim to the mat. My company paid the claim using UM coverage where there was a $200 deductible rather than our collision with a $500 deductible. We won't be charged for an at fault accident. As far as I am concerned the UM coverage was a good idea and I'm glad we had it. Oh, I can still go after the other driver on my own dime but that really does not make sense financially. Bottom line, there are too many situations where either the other guy has no insurance or the liability is cloudy...why take a chance.
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Recently my wife was involved in a parking lot incident. Basically, she was parked at the grocery store and opened her door to get out of the car. A truck pulled in and nailed her open door. Luckily she was not hurt but the repair bill was $1800 for a new door. After much discussion between the insurance companies mine decided that there was too much 'he said, she said' to take the claim to the mat. My company paid the claim using UM coverage where there was a $200 deductible rather than our collision with a $500 deductible. We won't be charged for an at fault accident. As far as I am concerned the UM coverage was a good idea and I'm glad we had it. Oh, I can still go after the other driver on my own dime but that really does not make sense financially. Bottom line, there are too many situations where either the other guy has no insurance or the liability is cloudy...why take a chance.
You are lucky. When someone apparently backed into my 06 Jag super V8 in a parking lot and cracked the bumper cover, the insurance company said it was a collision and not covered by comprehensive. I don't have insurance with that company any more.
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My wife was an insurance agent and she was adamant about UM Coverage. I have max Liability, Comp, Collision and U/M. 200/month for 3 vehicles.
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My wife was an insurance agent and she was adamant about UM Coverage. I have max Liability, Comp, Collision and U/M. 200/month for 3 vehicles.
Whee doggies, that's a lot of money. I don't think I've ever owned any vehicles worth ponying up $24,000 every ten years to insure them!!
Lannis
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Whee doggies, that's a lot of money. I don't think I've ever owned any vehicles worth ponying up $24,000 every ten years to insure them!!
Lannis
Says the man who is still driving his Festiva, correct?
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Says the man who is still driving his Festiva, correct?
That's not a bug, it's a feature! Gets me everywhere I want to go, gets 42 MPG, a set of tires is $180, and no harm and no foul if someone dings it ...
It's just one more way of saving my money for things that make a difference to me .... old retired dudes on a fixed income gotta be careful ...
Lannis
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I don't have uninsured motorist insurance coverage on my bike. The cost is almost as much as my regular full coverage almost doubling my insurance cost. However I just got the renewal on my insurance. I had switched from a Harley to a MG in July and my new policy is almost half of what I was paying for the Harley. So maybe I should check into uninsured motorist again.
kk
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I don't have uninsured motorist insurance coverage on my bike. The cost is almost as much as my regular full coverage almost doubling my insurance cost. However I just got the renewal on my insurance. I had switched from a Harley to a MG in July and my new policy is almost half of what I was paying for the Harley. So maybe I should check into uninsured motorist again.
kk
I had 5 vehicles insured with Hagerty Classic Car insurance including my 2004 Triumph America insured with an agreed value of $5K. When I bought the Guzzi I called to see what it would cost to add a 6th and was pleasantly surprised to find at an agreed value of $3k and zero deductible comp and collision it only added $27 per year. That is without uninsured motorist but with $100K passenger injury coverage in the event I ever carry a passenger.
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Years ago I was in the insurance business. In Virginia the UM coverage was 25/50 and cost $6 per vehicle. That was a no brainer. Times have changed. I just looked at my Progressive renewal bill for 2020 and find that UM is much more expensive than my base liability coverage...like about 100% more! That tells me that the insurance companies have found that a huge number of motorists in Virginia are not insured. Nuttin...Nada...Zil ch. Thus, you better cover your own ass because the other guy probably ain't gonna do so.
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Automobile insurance is mandatory in Texas. What a joke when you have an estimated 25% running around with no insurance and many with no license. Road blocks should be set up and it you don.t have a license or insurance your vehicle is impounded. "Oh, this is too hard on the poor people cry the libs."
Back when I was driving semi I was involve in three hit and run accidents in one month. Farmers Insurance wanted to cancel me. Damn, when you get hit when you are parked with the 4 ways on and cones out and police cars get hit with their flashing lights on.
I have no use for those with no insurance.
Tex
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My ex-wife was hit by a hit and run driver (as a pedestrian) and a good friend of mine was hit (while riding his bike) by a driver with minimum insurance. Both people had health insurance, but the FL uninsured/underinsured policies they carried covered a lot more than just their hospital bills. In addition to their deductibles and co-pay requirements the the UM policies paid out six figures for lost salaries both missed a lot of work), pain and suffering and future disability issues. I would never ride w/o a substantial UM policy as most drivers who are insured don't carry enough to cover your real world damages from a serious injury accident. Another friend of mine was air flighted and the bill for that helicopter ride to the ER was over $20k. Many health policies cap the amount of transport or have separate deductibles, so that is certainly another concern.
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I have a membership in an transport/ambulance company. They pick up whatever insurance doesn't cover wether by ground or air. It runs about $100 a year. Cheap. I have used it once, the helio ride was $20K in 1998. I don't know what what it would be now. Three years ago before the new comp all I could get was air. We I needed to go to a bigger hospital and the helio couldn't fly due to weather and they didn't do ground then. So I went by ambulance, the bill was over $9K. I had to pay 10% out of pocket.
kk
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I have a membership in an transport/ambulance company. They pick up whatever insurance doesn't cover wether by ground or air. It runs about $100 a year. Cheap. I have used it once, the helio ride was $20K in 1998. I don't know what what it would be now. Three years ago before the new comp all I could get was air. We I needed to go to a bigger hospital and the helio couldn't fly due to weather and they didn't do ground then. So I went by ambulance, the bill was over $9K. I had to pay 10% out of pocket.
kk
Would you mind sharing what company you use? Our health insurance has limits on transport coverage, so a supplemental plan would be very appealing to me. Thanks, Bill
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I didn't read all the posts, but I reject uninsured coverage.
My collision and comprehensive cover the bike.
My medical insurance covers me. They won't be happy that they don't have another insurance company to go after and will probably get nothing out of the uninsured but that is what it is.
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This thread got me interested to check my own coverage. I've got 4 bikes, 4 four wheel vehicles and a travel trailer. Two of my bikes are liability only so I wanted to check them. Well, none of my bikes had UM. Two bikes are "full coverage" but no medical. That really surprised me.
So I got medical coverage, whether their fault or mine. $5k medical in any event, that should fill the gap with my medical insurance and medicare.
Funny that in some states it's important to have and here, they keep it hidden.
I guess I should check the cars next?
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Over here we have the Motor insurers Bureau, set up in 1946. It runs two slightly different schemes, one for the victims of uninsured drivers, and one where the guilty driver is untraced. The bureau pays compensation, and if the other party is identified, but uninsured, pursues him to recover its outlay.
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There is really no such thing in the M/C world stateside as "full coverage" say my Insurance Agency tenants.
Several here are either in the business, were in it, or have family in it. I don't believe one of them has said "just skip it".
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Would you mind sharing what company you use? Our health insurance has limits on transport coverage, so a supplemental plan would be very appealing to me. Thanks, Bill
Sorry it took so long to get back to you on this. It is a local company that offers this service, north western Nevada and north eastern Calif. I would look for the company that provides the service in your area and see if they offer a membership plan. There are couple in my area that do. The one I used for years is about 80 miles away but they serviced our area for air transport only. It was $30 a year. A new company also does our area with both air and ground. I switched to their service, just under $100 for both. Hope this helps.
kk