I have no intent in ever wrecking.
Me neither.. But then the streets are regularly littered with those of like mindset..
We see members on this forum who go down - some of them real hard.. They have real skill and ability, they can ride, and none of them expected to hit the dirt..
It just happens on occasion.. Yesterday - Mark Davidson - sand in a corner.. There's no magic to prevent washing out from that..
Big Poppa.. Deer Jumped out in front of him.. TEngle same thing.. A Deer Strike Nearly happened to me.. Was almost cleared up by a Big Ol' Razorback running out in the road from tall grass one time, too..
It's one thing to have confidence in your abilities as a rider, but planning a future on overconfidence is a gamble only an individual can choose to make; because not a single person who goes down planned or intended to..
I have had some close calls.. For that reason I have maxed out insurance.. Life, death, medical, wages, accessories.. uninsured, under-insured, high liability in case of mechanical failure (or) I wash out in a corner on ice or sand and hit a pedestrian..
You don't dwell on the bad.. But, for me, personally.. I do like to have a plan in case the bad should ever happen.
I don't worry about anything other than riding when on my bike.. I have insurance for all the bad.. Except that "one" thing.. But.. If I should go out while riding on two wheels.. That's not the worse way to go, and my family is protected, so I don't worry about that so-much either
At the end of the day insurance is just peace of mind.. I have that.. Up to all else - personally - how much they can live with.
But, I, personally, wouldn't buy insurance based on not planning to wreck. Because nobody plans to wreck.