Quote Originally Posted by ruthabagah View Post
Good post. Also to consider, your medical coverage if you, let say, have a motorcycle accident not imvolving a 3rd party, is usually 5k by default... my first hour of emergency care after my accident was 37k.... including a 1k, 3 miles, ambulance ride!
Your wreck was cheap. In mine, they had spent nearly 50k by the time I got to the ICU, and another 60ish before I got out of the hospital 4 days later. Total medical from that incident has topped $122K. Because I had decent insurance, my total out of pocket on medical was about $700.

I carry policy limits of 50/100/300 on the cars for liability, considered upping them, just to be safe.