R_Lefebvre
Expedition Leader
That was my assumption too. But then I priced it out. Basic insurance was like $50/month. With theft, was like $52, and full liability was $56. Something like that. It was a no brainer for me to get full insurance.
Ive always figured if you were on a bike, and the bike caused enough damage to the car to warrant a serious claim, you´d probably be dead in the first place.
When I get insurance, the last thing I am worried about is the bike itself. I carry insurance for my protection, both liable and someone else's fault.