Your insurance is kind of high, but what's the point of having it if you ain't gona use it? Drop the collision coverage save the money. And maybe lose the ”I know laying a bike down is inevitable- hell- I've done it 6 or eight times” attitude too.
Glad she ok. My wife rides with me a lot. She’s been riding for 35 years and about 10000 miles a year, and I’m never as comfortable when she’s riding with us, always concerned for her. So if your wife keeps riding, and I hope she does, you may never get comfortable with it. G'luck.
I'm not saying there should be capital punishment for stupidity, but let's take the safety labels off of everything and let the problem solve itself.
Current bikes F800GS-EXCF350-Versys-690R-RZ350