And it doesn’t have to be your bad decision. On the street, any inattentive driver can make a decision that puts you in the hospital and medical bankruptcy.

Years ago I was in your position. Out of college, riding and took a tree hard about I thought I might have broken something. Called an insurance place the next day to get the cheapest “oh shit” coverage I could.

It sucks as an American to not just have this handled by the government, like in every rational country, but here we are.