Even though the only bike we currently have is a Buell Blast, spicersh and I carry full coverage on it because you just. never. know.
We also have excellent medical coverage through his employer (we do pay a monthly fee towards premiums), and that's another thing I would never go without because you just. never. know.
We had a baby in 2004 and after all the bills were in for prenatal care, delivery, hospital and the first year of baby care (well baby visits, immunizations and two sick visits), we would have been looking at well over $40K, but only paid around $50 in copays all told.
Bottom line? We can afford the set monthy insurance premiums, we *can't* afford any huge medical bills or wrecked vehicle bills that might pop up, so it makes sense to carry insurance.
"I often wonder why I talk to you, then I realize, although you put me down, you do it with love." - Jester