Motorcycle Insurance

[*TT*]

So I'm getting my motorcycle license next week, and my Stella will arrive in 2-3 weeks (in black, sans wind screen). I started shopping around for motorcycle insurance but I'm not sure what level of liability is really needed. I think I asked for a bit too much, what does OOT recommend I get and why? Please consider the following:

1) I was in a skiing accident that totally screwed up my left arm, left me with 4 screws in my elbow and nerve damage. If I ever get in an accident, it could be extra painful for me.
2) I will be spending a lot of time in NYC (bad traffic with wild cab drivers)
3) I have major medical health insurance already
4) NJ is a no fault state

This is what I selected just to get an estimate. My selection costs me $1,181/year. My salesperson in NYC told me it was very high, he plays 300 in the city.
- Bodily Injury Liability: $50,000 per person, $100,000 per accident
- Property Damage Liability: $10,000 per accident
- Pedestrian Personal Injury Protection: Basic Coverage
- Loss of Income: Not available
- Uninsured Motorists Bodily Injury: $50,000 per person, $100,000 per accident
- Uninsured Motorist Property Damage: $5,000 per accident
- Underinsured Motorist Bodily Injury: $50,000 per person, $100,000 per accident
- Underinsured Motorist Property Damage: $5,000 per accident
- Comprehensive: $500 Deductible
- Collision: $500 Deductible
- Towing & Labor Costs: Not Included
- Rental Reimbursement: Not available

TT [img]/images/graemlins/club.gif[/img]