I added an accident policy last year. So in addition to medical, it pays a fixed amount per accident... I figured why not just in case something happens on the bike. Pays a couple grand for a minor broken bone, more for a major broken bone like a femur. Other things like major burn treatment. Pays an awful lot if you lose a limb, vision, stuff like that. Probably covers 50 different types of injuries and it's dirt cheap. Worth looking into I would say. Sent from my LGLS992 using Tapatalk