People look at me like I'm crazy when I tell them I pay $1700/year for my coverage. But when I got hit, Progressive took care of everything with no trouble.
They, and other companies I assume, offer something called "Med-pay" which acts just like PIP (to cover your injuries). PIP in it's pure form is not allowed for motorcycles in NJ. This med-pay is technically a completely separate insurance policy on top of your motorcycle insurance..
I was happy to go back to Progressive once I got a second bike, and this time pay even a little more to increase my coverage.
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