Insurance,
Ouch!, I have an insurance agency, (shhhh, dont tell anyone you mighta saw me drinken beer at the rally)... and, It is true that the laws are really different in each state. However, if you have a major medical policy, wether you pay for it, or your employer provides it, it SHOULD cover you in most any accident UNLESS it specifically excludes it. most policys will exclude things like war and nukes etcetc, some exclude coverage if you are a pilot or hang gliding, etc. But i cant imagine them excluding a not at fault "auto" accident. yes, you were on the bike, but almost all bike claims are handled exactly like autos. I suggest you get your medical policy out (if you can find it) and see what it says. They may ASSUME you have med-pay on your bike, and therefore, they might not want to pay until you exhausted all of that money. but they are still obligated to cover your medical bills, no matter what unless it excludes any accident while on a motorcycle, or if for some reason your employers policy doesnt cover you at all off the job. the uninsured motorist coverage sounds like its at least there for the amount you had on the bike policy. yes, some states do "stack" the coverage for all policies you have with them. 4 cars, 25,000 um =$100,000 no matter which "auto" you are in. but, sounds like your company doesnt. again, like you said, its not a bad idea to call your agent, say good morning, tell them to kiss yer ass ( dont worry, we are use to it, -- really. ) and find out what your auto AND bike policys have and how they work. scuuze me, its only sunday, spent the weekend at a rally, and now i'm preachin on like i'm at work. hope this helps, dani