Actually, MC ins. involves a bit of smoke and mirrors when comes to rates and claims. First, I do not claim to be an expert on ins. of any type. This is just my understanding of what I have picked up along the way.
Many, read most, insurers do NOT pay f/ your injuries or medical expenses. They expect you to go to your work, or other, medical insurer f/ payment of your injuries. If you are in an accident deemed to not be your fault, your bills are expected to be paid by the at-fault party's ins. If they are under-insured, you may have coverage on your policy to handle that, but only if you are paying extra f/ it.
Otherwise, your ins. pays f/ damage you do to others and their property (liability), your bike damages (only if you have collision), medical bills f/ your passenger (only if you are paying extra f/ that), other non-collision damages to your bike like hail, or in many states a deer strike, under comprehensive (only if you are paying f/ that), etc.
SO...despite what your MC ins. provider would love you to believe, in most cases mostly they pay nothing to cover medical to YOU if YOU are injured.
And most MC incidents do not cause injury to cagers. Now do some digging about your policy and then draw your own conclusions about the high cost of MC ins rates and act accordingly. AND MAKE SURE YOU HAVE MEDICAL ELSEWHERE TO COVER YOUR INJURIES.
Triumph f/ All and All f/ Triumph