I recall reading on this forum some strong recommendations for having at least $100,000. uninsured motorist insurance. I have the standard 20k-40k coverage and I thought that would be enough. I have pretty good medical insurance at work so I am thinking why should I go for the extra expense of adding more coverage? Can you please convince me of the benifits of doing that when I already have insurance? I feel like I am making a mistake by only having the basic uninsured motorist coverage on my bike. Thanks.