Motorcycles can be safe--often it is the vehicles around you that are the problem. So extra caution and extra safety are of paramount importance.
Sad to say that I do know 2 people who have died from motorcycle accidents.
One died during a biker run (collection of bikers out for a Sunday ride usually for charity). In that instance, a fellow biker made a critical mistake and collided with the other and they both nailed a concrete barrier in a construction zone. The bikers that caused the accident died instantly (no helmet). The other was in ICU for about a week and then his wife pulled the plug. The wife own's my dds' dance studio. They were actually in the process of a divorce. He too was not wearing a helmet. The helmet *could* have made a difference since the cause of death for all was head injuries.
That was several years ago.
The second--was a friend of my mom and her husband--they are bikers as well.
He actually had a bike accident with a deer in the keys. It was unavoidable. Due to his bike construction and safety features--he survived but had some serious injuries. He was on his way to a full recovery. He then later used his other bike--and was hit by a car just before thanksgiving. He was hospitalized with massive internal injuries. They could not do life saving surgeries due to some contraindications and the combination of everything resulted in his death many days later. He would have been cited for that crash for failure to yield to the car.
I share this--b/c death and injury can happen. In both instances though--more caution or a helment could have made the difference in the outcome.
I would certainly increase life insurance and go for the higher coverage on the motorcycle insurance.
I also have a rule that even though grandpa is a biker, my kids will never be permitted on one while they are minors. But that is more of a trust issue in a situation that I cannot control--grandpa on a bike and them out in the open.
They do sit on it in the driveway--but that's the extent of that.
B/c of the death of their friend (and the fact that he was in multiple motorcycle accidents in a very short time period)--my mother is now afraid to get on the bike and is petrified of her DH on the bike.
I disagree that they are dangerous like a trampoline.
They are as safe as they can be if people use caution. I can't stand seeing a biker ride helmet-less with skin showing. (i.e. shorts and a tee shirt)

. Unlike a vehicle, they are in an open arena and extremely vulnerable to injury.
I'm sure if they were so horrible--police officers wouldn't be using them. But they do--b/c biking can be extremely safe. It just requires more protection and more awareness to avoid an injury b/c with a car--most bikers will lose that battle.
I'm happy that my DH has no desire to ride a bike. I'm not sure how I would deal with it if he did. As is stands, his vehicle passion of choice is a classic mustang. No airbags--I guess that is as wild as he'll get.
