Insured my bike today for 6 months!!!!! No more expensive day permits!! It was just under $200 for a month with 1 mil liability and fire and theft. No collision, but im thinkin about puttin it on. I was wondering though, What happens if im cruisin down the street, hit a pothole, clump of dirt, gravel,a deer whatever. Am i covered under collision and my rates wont go up? If im headin up the twisties on one of the mountains and lowside or over run a corner or whatever is that covered? Just wanted to know before i decide on puttin collision coverage on or not. Anypne had any experince with collision claims? I know if i get hit by a car or if some dumb bitch backs up over my bike that its covered under their collision but im not sure how it works if i lose control and run the bike off a cliff.