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Ridegreen2oo
| | Posted on Thursday, May 03, 2012 - 01:43 pm: | 
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Here in Michigan they recently repealed the helmet law. As long as you are 21 and a licensed rider you don't have to wear a helmet. Oh you are also supposed to have at least $20,000 in medical insurance. I have a feeling nobody read that part. I don't care what the law is around helmets...my helmet is staying on. |
Xl1200r
| | Posted on Thursday, May 03, 2012 - 03:01 pm: |
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I like helmet laws because it keeps me from having to pay for your dumb ass when you smash your face on a tree. You have insurance? I still pay for you with my premiums.
Only way I'd be in favor of not having helmets laws is if insurance companies and hospitals can refuse to pay for your treatment if you don't wear one. |
Stirz007
| | Posted on Thursday, May 03, 2012 - 03:39 pm: |
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"Only way I'd be in favor of not having helmets laws is if insurance companies and hospitals can refuse to pay for your treatment if you don't wear one."
You might get your wish - but be damn careful what you wish for. By applying that logic is stands to reason that next it will be riding bikes in general (especially if it's track days or racing), being fat, smoking, having a physical or genetic disorder, whatever.
So you're basically saying that because someone decided not to wear a helmet that day, they should just die because you don't want your insurance rate to go up a dollar or two? Ya know, that's just being mean.... |
Xl1200r
| | Posted on Thursday, May 03, 2012 - 03:47 pm: |
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It's also asking folks to be responsible for their own actions. It's not my job to be nice to someone - the people who know and love them can kick in all the cash they want to help them heal. My rates already pay for all of the people who crash and bang up their bikes and skulls who do wear helmets, and I'm okay with that.
I also think that insurance should be able to deny your claim if you were over the drinking limit, but that's just me. interesting factoid - in New York State, SEVENTY-EIGHT PERCENT of all motorcycle deaths happening on evenings and weekends are at least partly attributable to alcohol. That's freaking insane. One drink makes you 11 times more likely to die in a bike accident - why anyone would have a beer and then go riding is beyond me. |
Stirz007
| | Posted on Thursday, May 03, 2012 - 03:59 pm: |
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" It's also asking folks to be responsible for their own actions. " - A reasonable expectation and one I wholeheartedly agree with. Unfortunately, that isn't how it works, especially these days.
Batgirl didn't wear a helmet either.
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Aeholton
| | Posted on Thursday, May 03, 2012 - 04:03 pm: |
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It's also asking folks to be responsible for their own actions.
If that were true, why not just do away with insurance. That way everyone pays their own way. |
Hootowl
| | Posted on Thursday, May 03, 2012 - 04:17 pm: |
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Buying insurance is being responsible for your own actions. You pay someone to take on the risk of you causing damage to persons or property. Not having either insurance or the ability to pay directly is irresponsible. |
Xl1200r
| | Posted on Thursday, May 03, 2012 - 04:38 pm: |
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I think insurance should be optional (and I work for an insurance company). If insurance were taken out of the line of middle-men who take a peice, everything would be cheaper to just pay out of pocket ON AVERAGE - it has to be, it's the only way insurance companies can turn a profit. If you aren't in a position to pay a large, unexpected bill on your own, get insurance. If you are, then skip it and pay it when the bill comes in the mail.
Problem is, people aren't responsible for themselves and would not get insurance or be able to pay a large unexpected bill, leaving it up to the rest of us t pay, anyway. |
Slaughter
| | Posted on Thursday, May 03, 2012 - 05:40 pm: |
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I had a $quarter-million dollar race weekend in 2004. 10 days in ICU - TBI, Physical Therapy, orthopedics, occupational therapy, in-home med care - 12 months of neurological rehab.
Can't imagine doing that without insurance or how I'd have been treated by the various staff if there was nothing in it for them.
ey am alle bettur know. |
Ted
| | Posted on Thursday, May 03, 2012 - 05:41 pm: |
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Some ski resorts now require users wear helmets. it continues !
if you want to opt out of using a m/c helmet, wear a turban, they are exempt.. no ,really ! |
Zenbiker
| | Posted on Thursday, May 03, 2012 - 10:47 pm: |
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I buy insurance for other people's stupidity. |
Crackhead
| | Posted on Friday, May 04, 2012 - 09:52 am: |
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What not mandate full face helmets and full CE armored jackets, pants and gloves?
We all hate HD and it would piss off the pirates and village people. |
Xdigitalx
| | Posted on Friday, May 04, 2012 - 03:14 pm: |
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I think there should be no mandatory insurance, make it optional. Just make everyone pay a yearly insurance fee of +500.00 (minimum) just to obtain a driver licence so everyone has liability coverage. |
Gohot
| | Posted on Tuesday, May 08, 2012 - 04:04 pm: |
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Is there anyone who really feels safe without a helmet? I tried it last weekend in SC. and could only ride about ten miles before I got my full face out of the bags...... just saying.. |
Britchri10
| | Posted on Tuesday, May 08, 2012 - 04:33 pm: |
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When I got my first road bike helmets were mandatory in the UK (Unless you were a Sikh)
I wore a full face all the time.
20 years later... I got my first bike here in the US (in Florida) where helmets are optional. I believe in ATGATT but found myself running to the store (about 1 mile each way) w/o a helmet 'cause I couldn't be arsed to get all dressed up for a 5 minute ride. Eventually, I purchased an inexpensive open-faced helmet for these trips as I am not comfortable riding "lidless". IMHO, anyone w/o a helmet is basically a "donor in waiting".
Still, it's a free county & we all get to choose!
Chris C |
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