Originally Posted by mnemia

It just seems silly to me that people who don't drive cars have to get an auto policy with high liability limits in order to get decent UM/UIM coverage for when they're on their bike. I just question this because of the much lower potential for causing liability when riding a bike vs. a car. Why should they have to pay for large liability coverage limits just to get when they need for UM/UIM? Or would a better strategy for those people just be to get low limits on a non-owner policy and an umbrella policy to push the limits higher?