I have represented a number of motorcycle accident victims around South Carolina. Their injuries are often severe. They all have great liability insurance - often through Progressive - but too few have the insurance they need. When it comes to motorcycle insurance, remember that "cheap is dangerous." Liability insurance covers everyone but you.
To protect yourself and your passenger, make sure to buy uninsured and underinsured coverage up to the limits of your liability policy. In other words, if you have $250,000.00 in liability coverage, get the same uninsured and underinsured limits. Without them, you are putting yourself at the mercy of other driver's insurance policies. No one wants to get hurt in a motorcycle accident. Furthermore, no one who is injured in such a wreck wants to find out that the driver who caused the collision is either uninsured or has only a minimum limits policy. Because the medical bills from a motorcycle accident are likely to be in the tens to hundreds of thousands, you want to make sure there is plenty of insurance coverage to pay for your losses.
The best - and least expensive way - to protect a motorcycle rider's financial future is to buy plenty of uninsured and underinsured coverage. It might cost you a few hundred dollars on the front end, but can save you a literal fortune should you get in a motorcycle accident in South Carolina.