Manufactured facts outweigh probability in any situation. I don’t give insurance companies a penny more than I need to. I have also never claimed, I repair all damage myself no matter how costly it is. In all honesty what difference does it made if your commuting or not an accident is an accident. Your luck just ran out or you had a momentary lapse in concentration/driver or rider error.
It’s all about risk. People who commute are a higher risk - they go over the same route day in day out, and they get used to it, and after a while they stop noticing things. Commuting is more dangerous than going on ride-outs.
or really good friend’s with their boss 