Just want to let you know that while I’m sure your insurance coverage advice is good spirits-it happens to be wrong. You need to check w/ your insurance agent and get some clarification on your understanding of the coverage.
1) the “per person” limits you are talking about are for LIABILITY coverage which covers the other party due to your negligence, not you. The MEDICAL PAYMENTS coverage covers you.
2) The Under/Uninsured motorist coverage DOES NOT cover others who ride your bike unless they are involved in an accident where the other party either does not have(Un) or does not have adequate(Under) coverage to cover your medical bills. Example: THEY have state minimum(in my state its 30/60/25). If THEY were to hit you and you had more than 30,000 in bodily injury per person, more than 60,000 per occurance, or more than 25,000 in property damage–then your under insured motorist coverage would come into play and your policy would pay up to the limits you have. If someone jumps on your bike and runs it into a tree and hurts themselves, they are going to get whatever you have for medical payments coverage. Remember, the insurance follows the bike, not the person. You can have no under/un insured motorist coverage and ANYONE who drives it is covered under your liability coverage, physical damage coverage if you have it, and your medical payments.
3) You cant add a motorcycle to an auto policy, they are two completley different policies. You also cant add any vehicle onto any policy that isnt in your name.
You sound like a pretty bright guy that just got some wrong info from someone. Probably shouldn’t have went with the cheapest(AMA) and instead went with the best(State Farm). Then they could have explained it a little better. Not trying to be an ass, just don’t want authority’s on important subjects like insurance to be giving out wrong information. BTW, everthing else you said I completely agree with.