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Deposit is placed on the new machine! The verdict is!?!?!

Trevor State minimum is this:
[TABLE="width: 97%, align: center"]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD]Bodily Injury & Property Damage Liability
[/TD]
[TD][/TD]
[TD]$25,000 person/$50,000 accident/$10,000 property damage
[/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD]Uninsured/ Underinsured Motorist Bodily Injury & Property Damage
[/TD]
[TD][/TD]
[TD]$50,000 person/$100,000 accident/$10,000 property w/$150 ded
[/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD]Medical Payments
[/TD]
[TD][/TD]
[TD]No coverage
[/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD]Enhanced Injury Protection
[/TD]
[TD][/TD]
[TD]No coverage
[/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD="colspan: 4"][/TD]
[/TR]
[TR]
[TD]Transport Trailer
[/TD]
[TD][/TD]
[TD]No coverage
[/TD]
[/TR]
[/TABLE]


I will have full coverage on the B-King but will drop to just state minimum on the other 2 bikes. The FZ is so beat up from the last total the only reason I kept full coverage was of all the accessories (which will be coming off of it). The GR650 is so old that in it's best value it's only worth $1200... Not really worth full coverage on that either.

Holy crap that's low!! Something I have never understood is why Americans are only required to have such low liability coverage in a country that if you do go to the hospital it could cost you thousands a day to be there. Would that liability coverage get used up quickly? And why do we have to have so much liabity, in my case 2 million was my choice.

Can someone help me understand?
Thanks
 
Holy crap that's low!! Something I have never understood is why Americans are only required to have such low liability coverage in a country that if you do go to the hospital it could cost you thousands a day to be there. Would that liability coverage get used up quickly? And why do we have to have so much liabity, in my case 2 million was my choice.

Can someone help me understand?
Thanks
It's not that way in this state. Unlimited medial coverage.
 
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