Do you have the paperwork or email to prove to them that you had added collision ins?
I HATE insurance companies.... that is why I don't carry insurance on my sled (it's not required in WA.) They are nothing but a bunch of crooks
This is the WORST thing you could doo is NOT run insurance. What happens if you flip off your sled and it ghostrides and hurts someone?
Sorry, but I'm a stickler for this kind of stupidity. Too many times people get hurt by someone elses sled.
Responsibility includes helping protect the others you ride with.