I think it's funny when people cry that insurance won't pay out when you don't have insurance yourself.
The point of insurance is not to check a legal box with your state laws. Insurance is to protect your ass in situations like this. If you are on the road you should get insurance whether or not the law requires it. It's cheap. There's no real excuse not to. Progressive will insure you for declared value. I have my bikes covered at between 2k and 4k each. No appraisal needed if the number is reasonable.