Is insurance worth it?

[rocket jockey]

Guy's, let's face it. We all take into account our own riding abilities/ capabilities, when we look at insurance, but you can't account for all the other vehicles on the roads, and the many ignorant/inconsiderate/just plain dumbass people who drive them. I rode a 750 katana(uninsured) for 4 yrs, and rode the absolute ass off it, and never came off. I bought my Hayabusa, in April last year, and for the first 6 months( while it was not insured), it seemed like i was a target for idiot drivers, on a daily basis. Even though I believe my 20+ yrs of riding various types of motorcycles would keep me upright, I decided to bite the bullet, and pay the $1100.00 to insure the Hayabusa. I'm really glad I did, because, 2 weeks ago, some kind & considerate woman in a mini bus decided she wanted to turn right, from the left lane of a roundabout, while I was riding straight through and exiting the roundabout, from the inside lane. Result?????? A 50 km/h body slam into the side of her van. Lucky for me, my experience saved me from T boning the van, as well as saving my left leg from being crushed. The really sick twist to this story, is that, for the first 6 months, I rode the bike daily. For the last 5 months, I only take it out for an hour or so, every 4-5 days. So, to insure, or not to insure??????????? Let common sense, and your own intelligence, be the judge. <i></i>