Don't scrimp on the UM (uninsured or underinsured motorist coverage). Buy all you can get. In the event you are in a motorcycle accident, the odds are it will be the other guys fault and they may only have minimal or no insurance. You might be hurt really bad, have loss of income, etc. I pay even more to stack my bike and car UM coverags which gives you double coverage for both vehicles. To stack coverages, you have to carry the same limits on each stacked policy.
