I thought Canada had communist healthcare? If so why are you paying for medical insurance as part of your vehicle insurance? If not, what is typical cost for health insurance?
I currently insure one CB750 with Geico for $161/yr. Coverage is $300k un/underinsured. Includes comprehensive w/ $250 deductible ($23/yr) at whatever pittance Geico decides to pay, though I keep records for every penny spent so they can argue with receipts and records all they want but I'd never sign a release or accept any money until they paid exactly what was owed by them in the event of a total loss. Also includes collision w/ $1000 deductible ($30/yr). I will likely drop collision coverage, as there is an at fault person to collect from in that event assuming I'm still alive and it wasn't a hit and run. Also if you go down avoiding say, a selfish liberal left turning prick, but do not make contact with that individuals vehicle, the government will not allow you to seek compensation from that individual and your collision won't cover it as there was no collision. My main concern is theft, and I'll be looking at other insurance companies again to try to find someone who will write an agreed value policy.
Regarding agreed value coverage... Progressive is the only company I'm aware of that will write agreed value policies without limitations. I prefer not to do business with them. I will likely insure my restored bike with Hagerty for agreed value and use my beater 750 for commuting. Hagerty allows unlimited recreation and classic vehicle event/show related use, but restricts commuting to work to max of 20 times per year. Would prefer not to have that limitation, so if anyone knows any companies that do agreed value without restriction please let us know. Please be aware Stated Value is not Agreed Value. Many insurance companies will try to tell you it's the same but they are lying. To simplify, Stated Value is a cap on their payout for repair or total loss, i.e. the maximum they will pay. They want you to say a cap, hoping it's lower than the range of their typical payout for the type of vehicle.
Regarding medical
In the States we have health insurance for that. Your own health insurance pays for medical costs you incur, and negotiates favorable pricing for you. In the event someone else is at fault and caused you injury your health insurance will most likely seek compensation from the at fault person, via their liability insurance up to limits and beyond their liability limits from the individual who caused you harm (and thus the insurance company to incur costs). i.e. you didn't just done down with a bad case of road rash, those bones poking through your skin, and those joints that'll never work the same... At least not like you'd come down with a cold or cancer)
It's a gamble whether to accept treatment costing more than your uninsured/underinsured limits though as our crooked government here allows individuals to file bankruptcy and discharge debts such as those to pay medical treatment for someone you have injured. If you're a big bank well connected to the government, debt cannot be discharged in bankruptcy (i.e. student loans). Very corrupt. Also in some states you have to pay about double for your 4 wheeled insurance to retain the right to hold someone personally liable for medical costs resultant from that person causing you injury while riding your two wheeled vehicle.
TLDR: In most of the States your own health insurance covers your medical expenses at normal plan rates. The at fault person's liability insurance (and the individual, for amounts beyond their liability insurance) reimburses your medical out of pocket, your health insurance company's expenses, your lost earnings, and any negotiated or judgement amount for future expenses, pain/suffering/quality of life change/etc. Your own underinsured/uninsured coverage pays all that for amounts you're unable to collect from a cheap selfish unemployed welfare sucking liberal dirtbag hits you and causes you injury.
