Join Date: Jun 2007
Location: Twin Cities, MN, USA
Exclusive of the annual/monthly premium of the coverage, you can't have too much.
Example- you take a header into a curb. Your $500 helmet does it's job and you live to tell about it, but it takes a month for you to get out of the hospital to share the story...
Again, you can't have too much insurance. $200k, 300k, 500k goes REALLY fast with extended stays in the ICU. Even worse- the one that has the extended stay is a loved one and the vehicle insurance (you are considering skipping) is the only thing paying (some) of their bills because they work part time for a non-profit social agency and they have no health insurance...
It's only money, you can't take it with you.
Twin Cities, MN, USA
'18 DL650XT, previously '07 DL650 and others
"With the rights of life, liberty, and the pursuit happiness comes responsibility, to yourself and others. With responsibility comes accountability. Without responsibility, without accountability, we cannot and will not be a free and civilized society."
-Me, Steve T.