Please help me think something through. I drive an 05 Harley Davidson Road King.?

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greyhound

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I have 100K/300K Bodily Injury Liability, 50K Property Damage Liability, Comprehensive & Collision ($500 deductible), and Uninsured / Underinsured Motorist (25K per person / 50K per accident). If the liability covers "the other guy" in an accident (if its my fault) and the comprehensive and collision covers me pretty much no matter what, then why do I need the uninsured motorist coverage?
I have 100K/300K Bodily Injury Liability, 50K Property Damage Liability, Comprehensive & Collision ($500 deductible), and Uninsured / Underinsured Motorist (25K per person / 50K per accident). If the liability covers "the other guy" in an accident (if its my fault) and the comprehensive and collision covers me pretty much no matter what, then why do I need the uninsured motorist coverage? I am also coverd for any injuries I may receive through my medical insurance at work.
 
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