Helmet or No Helmet

[Mr Lefty]

Originally Posted by askmrjesus

I trust insurance companies as far as I can comfortably spit a rat, which is to say, not very far.

However, I do not believe in mandatory helmet, or seat belt laws, for anyone over he age of 21. It's your head, do with it what you will. If you've come to the conclusion that you're invincible, go for it.

Insurance companies charge higher premiums for young drivers, old drivers, smokers, and other "high risk" groups. I don't agree with all of their reasoning, but if you're not smart enough to wear a helmet, that's on you.

In short, I believe in charging people based on their own decisions.

JC

I agree... HOWEVER... we have to remember that driving/riding is a privilege and not a right, and as such... they have the right to tell us what is required to exercise that privilege.

same as requirements to meet emissions, have headlights, safety glass, and mirrors.


I'd raise your age to about 25 though. I deal with 18-30 year olds (mostly 18-25y/o) daily... and the difference between a 18y/o and a 22y/o in case of maturity isn't much. >25 still have their idiots... but seems to drop off significantly IMO.

just my

[the chi]

I dont believe in mandatory helmet laws, but I dont leave the house without mine.

As far as insurance is concerned, if someone agrees to wear a helmet and doesnt and is hurt, I think they should deny coverage. They broke the agreement to ride safely in exchange for that discount, they obviously dont care to keep their insurance.

The military is big on that one, get busted in non approved gear or lack thereof, including helmet, they refuse to pay and may terminate you. Kid back in Florida thought he was a stunna, cracked his head on the curb, military did both. Kicked him out and left him to pay all his medical bills.

[Mr Lefty]

Originally Posted by The Chi

I dont believe in mandatory helmet laws, but I dont leave the house without mine.

As far as insurance is concerned, if someone agrees to wear a helmet and doesnt and is hurt, I think they should deny coverage. They broke the agreement to ride safely in exchange for that discount, they obviously dont care to keep their insurance.

The military is big on that one, get busted in non approved gear or lack thereof, including helmet, they refuse to pay and may terminate you. Kid back in Florida thought he was a stunna, cracked his head on the curb, military did both. Kicked him out and left him to pay all his medical bills.

not only that... if you pass... they can deny your death benefits... ie no SGLI passed on to your kids/spouse, no GI Bill passed on, medical bills not paid, not allowed to be burred in Arlington, ect.

and that can be for something as simple as not wearing reflective material at all times... (since changed to reflective at night, brightly colored in daylight)

[the chi]

Originally Posted by eBBs15

not only that... if you pass... they can deny your death benefits... ie no SGLI passed on to your kids/spouse, no GI Bill passed on, medical bills not paid, not allowed to be burred in Arlington, ect.

and that can be for something as simple as not wearing reflective material at all times... (since changed to reflective at night, brightly colored in daylight)

Ah, and it differs for each base I guess too. Those rules were what I was familiar with, but Moody just made it a requirement that you must wear a gay reflective vest AT ALL TIMES when you are on base (I think off too).

[tached1000rr]

Originally Posted by racedoll

How do you feel about this?

Do you think insurance rates would be lower (or are lower) if states made them mandatory?

bike thefts, accidents and being totaled drives insurance rates more so than anything.

[Smittie61984]

Originally Posted by tached1000rr

bike thefts, accidents and being totaled drives insurance rates more so than anything.

I'd charge people in states with no helmet laws less. Odds are is if someone with no helmet wrecks a bike they won't be calling wanting a new bike.

[derf]

I don't like helmet laws personally, the gov shouldnt tell me if I should or shouldnt wear a helmet, my safety gear doesnt affect other drivers on the road. I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)

That being said, if an insurance company wanted to write their policies as to deny you benefits if you get hurt without one, I wouldnt have a problem with that

[101lifts2]

Originally Posted by derf

..... I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)....t

I think they do, but NJ is prolly corrupt.

[Rider]

I wear a full face helmet regardless of the law or insurance rates.

[shmike]

Originally Posted by tached1000rr

bike thefts, accidents and being totaled drives insurance rates more so than anything.

Originally Posted by Smittie61984

I'd charge people in states with no helmet laws less. Odds are is if someone with no helmet wrecks a bike they won't be calling wanting a new bike.

Originally Posted by derf

I don't like helmet laws personally, the gov shouldnt tell me if I should or shouldnt wear a helmet, my safety gear doesnt affect other drivers on the road. I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)

Plus 3.

The correlation between helmet wearers and motorcycle insurance rates is minimal at best.