For us, we are finding out that motorcycle insurance is often only covering the bike. Personal Injury Protection is spendy and while it is required by law for cars, it is NOT required for motorcycles. Good to be aware of in case of a uninsured or under insured motorist gets you. My personal medical coverage through my job is taking care of my injuries.
I have full coverage for my bike which I was stunned to learn would not help me or my injuries, just the coverage of the bike, because the dolt got away after causing my wreck. Good thing you got her insurance info and it Does cover you.
Often insurance only covers 80% of low NADA on your bike. The few scrapes on my bike teetered it near a total at under 3000, even though anothe 2006 with more miles on it was for sale for 4500 at the same shop. Another thing to check on is if you have coverage for accessories or custom...they only cover a basic stock bike unless you opt for the additional coverage. The helmet is often covered with the bike as well, although they want photographic evidence that the chin straps are removed, and only cover 80% of what you paid, and depreciate it if it is older.
I am also still learning about how they will handle my injuries, and the ambulance.
