About the personal injury protection..,
My insurance company said they would pay at the end, in one big lump sum. Doctor's & hospitals want to be paid a little sooner than that. Healthcare at work has deductibles. The personal injury rider was paying as I produced receipts. No questions asked.
once your bike is down to $4k in comparable sales prices as used bike go, it's a tough decision on keeping full coverage, most likely the only reason to have it is if there is a loan being paid, and they insist on it..
But the bike value is moot, compared to medical costs... and it's hard to get high value medical coverage, without the big ticket full cover...
Your 'medical plan from work/other' does not cover you really, in a crash scenario, in fact, they can actually dump you as you are doing something they consider as a 'high risk'...
High personal injury coverage, tied into your vehical insurance is EXTREMELY important, a minor spill, and single visit, or a broken bone taken care of in a hospital, is a BIG $$ figure now, let alone heaven forbid, a serious crash, requiring a hospital stay of a week or more...
Case in point, and this may not relate to your insurance or locality prohibiting this ...
When I lived in Va., and was insured by Geico, all of the policies for all vehicals, had an 'accumulated' value of medical coverage, so with 3 trucks (one full coverage, due to a loan) and 4 bikes, all fully covered, we had a total 'coverage' of close to 1 million $, but that's because Va. allowed the insurance companies to 'total'.. so, I reduced my cover on the bikes that were not financed, and valued at less than $3k resale, to liability.. and then my cost went up to keep the same personal injury figures.. it actually didn't pay to reduce the coverage.
it's all about the persons body getting fixed, not the bike value.. personal injury insurance pays right up front.. hell, I wish my health insurance was as reliable, as they paid willy nilly, dribbling payments whenever, and still missing some, causing major p.i.t.a. back and forth stuff..
it pays to check variables in personal protection, in combination with the vehical values and covers..