Insurance coverages

[orionburn]

Got my new policy info in the mail yesterday since adding the Bandit. Got to wondering what some of you are carrying as far as limits go. Question isn't about what you're paying for your policy, but what coverages you have. This is what I currently have:

Bodily injury liability (each person/occurance): $100,000/$300,000

Property damage liability: $15,000

Uninsured motorist (bodily): $100,000/$300,000

Underinsured motorist (bodily): $100,000/$300,000

Uninsured motorist property damage: $10,000


Granted I don't want to spend a fortune on my policy, but wanted to see if this is an average of what people carry or if I'm low in some areas.

[SteelD]

Wow, your bike insurance sounds complex. The only numbers we worry about in the UK is how much the bike is insured for and how much excess we want to pay.

[orionburn]

Wow, your bike insurance sounds complex. The only numbers we worry about in the UK is how much the bike is insured for and how much excess we want to pay.

All thanks to lawyers and idiots that drive around without insurance  

Fun living in a day and age where you can be sued for anything and everything. That's why it's a pain in the ass, because you have to make sure that ass is covered for any possibilities.  

[ratbike05]

You are carrying a pretty standard amount of coverage for a homeowner.  You should be pretty safe.

[Sven]

Bodily injury liability (each person/occurance):
$100,000/$300,000

Property damage liability:
$10,000

Uninsured motorist--Bodily (each person/occurance):
$25,000/50,000

Underinsured motorist (bodily):
Not in TN

Uninsured motorist--property damage:
$10,000

Depending on your state laws and your insurance carrier, your uninsured coverage may be *required* to match your other liability.