If I'm riding, I take out insurance, at the very least liability, to help anyone I may crash into. Because I know, if I don't end up crashing into anybody, they will inevitably crash into me, and it will be blamed on me because I am on a motorcycle. In that event, I want liability to be able to pay for the damages to their cage so I won't have to out of pocket.
There's a reason insurance is required by law, and GOD HELP ME if you end up hitting me and you don't have insurance, because I will make you wish you had. Anyone riding about without insurance is a twat.