I had neglected to get insurance on the new bike, so since I was going on my long distance trip, I figured I would probably have at least one run in with the law, so called GEICO to add the bike to my policy.
Since the bike is paid for, has a good security system, LoJack, etc I decided to just get liability insurance. One year, with 100/300 was a little under $300, no big deal. Then they offered me uninsured motorist coverage (takes care of me if an uninsured driver takes me out). I couldn't believe the difference.
With a car, UIM is a few bucks, with the bike it bumped it up to $700!!
They must figure the odds of me getting hit are pretty good.
I will have to be sure to try and limit my riding to wealthy neighborhoods where I know everyone is insured.
