A friend of mine told me to do this long ago - don't say it was a motorcycle accident - say it was roller skating, fell off a ladder, etc. Even if your insurance pays for it - you don't want someone gathering statistics on certain classes of injuries; They then start bean counting based on this data and think they can save x millions of dollars if they quit paying out on situation y.
Of course it might look a little suspicious sometimes - dust all over your face, "helmet head", and riding gear on... "yeah, I fell off a ladder..."
jeff