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Ask The Attorney: Motorcycle insurance

"I've been using my coronavirus isolation time to trick out my 20 yr old Harley with about $15,000 of chrome and accessories.

HARTFORD, Conn. — "I've been using my coronavirus isolation time to trick out my 20 yr old Harley with about $15,000 of chrome and accessories.

My wife calls it a stupid move cause if I get hit, the insurance will just pay me for a 20 yr old bike and I lose the upgrades.

Is she right How do I protect myself?