The problem is that you're assuming:What's wrong with this picture ?
1. There is another vehicle involved
2. It's the driver of the other vehicle that caused the accident
Reality is that about half of motorcycle accidents are single vehicle accidents that the riders insurance company has to pay for. And as was posted earlier, motorcycle accidents have a higher tendency to be life altering than car accidents. When it is a multi-vehicle accident, it isn't always the drivers fault. You're prepaying for your mistakes.