pglaves
#13338
I know that here in Montana adding uninsured/underinsured coverage is quite expensive, but non-negotiable in my view. If the $311 insurance includes uninsured/underinsured coverage it is indeed a good deal; if not then it is much less so.
It costs us 4 times what the liability costs but we still carry it on the bikes. About 25% of Texas drivers have no or just minimal insurance - and it is worth is some surrounding states.