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[Swingshiftworker]

BLUE TONKA previously said:

Okay I will go for the 25/50/25. Now uninsured motorists...means if I get in an accident with someone who is uninsured then I am still covered. So if I get hurt in an accident insurance will still fix me up (medical bills and the like). You are saying take away the uninsured and use my insurance coverage from work to fix me? What if it's a serious injury...hospital bills, etc...?

Well, don't just go with what I say. Get quotes for various coverages and limits and decide what's best for you.

25/50/25 for liability is probably enough for a motorcycle, but it is a hypothetical level of coverage and you have to decide whether it is enough for you or not. If extra liability coverage doesn't cost that much more, no reason not to get it, but the savings for lower liability limits may pay for a lower collision deductible, and you could use the savings on liability coverage for that.

As for uninsured motorist coverage, it only covers your medical bills (up to the coverage limit) if you are injured physically in an accident with an uninsured motorist. Verify this with your agent. The theory being that if the other party is uninsured and doesn't have liability coverage, s/he won't be able to pay you (or your insurer) for your medical bills. Therefore, if you have sufficient medical coverage through your employer (or otherwise) there's really no reason to pay for the additional medical coverage on your auto policy.

I have Kaiser, which covers me for everything (regardless of who's fault it was) and has fixed me up each time I've been injured motorcycling. So, I don't have to worry about any uninsured medical expenses and don't have any uninsured motorist coverage on any of my cars. But, again, you need to decide for yourself whether this is what YOU want to do or not, because there may be reasons why it would make sense for you to have this coverage that I am not aware of.

I'm just trying to point out some ways you can save money on coverage you may not need, but ultimately you'll have to decide what's best for you.