hi,
i carry american family on everything. after being in a head on crash last year i can say, even if they are not the cheapest, i am a loyal customer. they never even batted an eye at the medical bills, and the other guy was uninsured.
a couple of things i brought away from that experience.... my uninsured motorist coverage was 50k and my insurance was 50k, that went very quickly in a 2 week stay, physical therapy and follow ups. it was well over that by the time it was all said and done. there was simply not enough with standard insurance to cover the expenses.
if your bike is customized this does not add to the book value, you have to get a rider for paint, chrome etc if your company allows. also, for just a few more dollars a month on your insurance can often bump your coverage into the 7 figure range. ours is now bumped, just incase.
have a great day.