Originally Posted by makeinu
I personally wouldn't do that. Most people on the road have their own insurance (auto and medical). You probably have your own medical insurance. Unless you run over an uninsured bum I think you'll have a pretty hard time racking up $1M of liability (and even then it's possible you might get some coverage from your credit card company).
But that's just me personally. I'm not a lawyer, I'm not an actuary, I'm not an insurance professional. I'm just some guy on the bike forum.
Just because the other guy has insurance doesn't get you off the hook for your own liability if the incident is considered your fault. And the other guy's insurance company will make it their business to get you found at fault. Who do think is going to pay for your legal representation?