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).

[Cutty72]

Originally Posted by The Chi

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).

Most posts require reflective vests/belts be worn while on post. Many rider I saw stop outside the gate and put it on/take it off too. I know I did. Not cause I didn't want to be "reflective" but my gear is already reflective, so why put on a restrictive belt or a ghey flapping vest.

And I know in the guard they cannot deny life insurance if you weren't wearing proper gear on a bike or seat belt in a car, as long as you are not on orders.