ORIGINAL: 55Bubba

Let me preach about insurance. After all, I was hit by a car and then hit a second stopped car and then flew over 25 feet through the air landing on the pavement feb 24 . The butthead who pulled out of a parking lot and nailed me had the so called cheap insurance "Direct" Not progressive direct, just direct. Her policy was 15/25/10 15k for injury per person, up to a max of 25k per wreck and 10k property damage, regardless of the vheicles involved 1 or 100.

Now my 95 Ultra is not worth as much as some bikes on the forum but I liked it. My estimate for repair was $7,500 to fix. Add in my personal belongings either broken or cut off by damn paramedics. Helmet. Leather jacket, eyeglasses broken, carhart bib overalls for weather and my riding boots. That adds another 1300, so I got 8500 claim by myself. Car i hit was an 06 accord and I took the front end and hood pretty much to the trash with me. So she's got probably 4k damages so we're at 12,5oo but she's only got 10k coverage. Sue her...well she lives in the project and her raggedy assed car is all she had. My medical from cat scans to MRI to Er and all is north of 20k now. Guess who the bills come to? right ,,me

Called my insurer, state farm. They sent adjuster the next day after I called, he called that afternoon and asked what I wanted to do. He sent a check for the repairs plus my deductible (covered under the uninsured/underinsured part of my policy. I got it the next day and they are goijng after her insurance company. How can you beat that?

I carry well over 10 times the minimum and pay about 700 per year. Had a great driving record and get multi discount. But for me, the piece of mind of knowing I am protected for 99% of the accidents that might happen is worth the couple of hundred of extra dollars I might spend over a cut rate company or policy. ANd the customer service makes up for some of the extra cost. My agent calls every few days to see if I'm ok and even sent flowers to my house. Would the socalled cheapest companies do that? I don't think so.

Look at your coverage and ask yourself if you are protecting your family and assets to save a few bucks? I am.......are you?

And no I don't work for an insurance company nor does my wife. I'm on the mend and doing well. Bike is being repaired

Thanks for reading
Bubba