I just find it a little strange that one could wake up one morning and be "passionate" about motorcycles. He's still making payments on the bike. It's not something that he bought outright. So while I may spend thousands and thousands of dollars a month on my horse, it's money that I have to spend. My horse is not owned by the bank, and isn't under the constraints of what an insurance company decides is covered or not. So if the insurance company decides that the bike isn't worth as much as he owes, then he's upside-down. Or if they decide that the bike can be fixed and not totaled out, then he's stuck with a bike that he'll never be able to sell due to it having been in a bad crash. For instance, would you buy a car with a salvage title?
And if we can touch briefly on the subject of horse riding accidents vs. motorcycle accidents: Book of Odds: The Dangers of Hog & Horse Accidents
Per capita, horses are 20 times more dangerous. Which I understand. However look at the stats for deadly
motorcycle accidents. I would venture to believe that most of us know at least one person that has either been critically injured or killed on a motorcycle. While I personally, don't know anyone (thank goodness) whom has been killed by their horse. Has every single one of my riding friends been thrown 100+ times, yes. But hospitalized, no.