Max your Med pay out if you can afford it. I keep mine at 10k per person per accident for auto and 25k for my bike. I pay $1400 a year for 2 cars with maxed out BIPD and UMUIM limits. 500 deductibles rental and pay off coverage for th wife's SUV. And bike insurance with $100 deductibles is $250 a year.
The theory behind maxing out Med pay is if you have to either go out of network or max out your deductible you're not paying anything out of pocket if you're found at fault in the accident and get hurt.