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#274327 - 07/03/08 01:15 PM
Re: Helmet Laws
[Re: Myrddin]
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Domestic Affairs Moderator
Registered: 10/03/06
Loc: California
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There was a time, I didn't think seat belt laws were appropriate.... I have come to realize a seatbelt worn by the driver secures him/her in place enough to better control a vehicle in the event of an accident. The passengers become projectiles also, causing potential harm to other people if he or she is not wearing a seat belt.
I believe helmets should be optional. I interned for a large law firm while in college, and was subjected to the results of many mtorcycle accidents. The ones I saw, the victims were in bad shape regardless whether wearing a helmet. A helmet might add protection for a motorcyclist traveling at low speeds through retirement neighborhoods, but once he/she is driving on the real road.....in the real world...well, flying off a motorcycle at 60 mph with a helmet on will help little.
I ski, and the new safety precaution is wearing a helmet...probably a good idea, but I can't get excited about wearing one skiing. I know wearing one might save my life. I think I will just stop skiing if it is this dangerous, it's not like I'm Picabo Street flying down the mountain at 70 mph + ....
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#275804 - 07/17/08 04:35 PM
Re: Helmet Laws
[Re: Aint]
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newcomer
Registered: 07/16/08
Loc: Georgia, USA
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There are small price reductions in insurance for parking in a garage at home, sometimes at work and sometimes even just parking 'off street'.
The are breaks in the cost for the safety rating of a vehicle or increases for not being as highly rated. This one shows up in motorcycle insurance, big time. A cruiser costs far lass to insure than a sport bike.
Given that, I say helmets wearers should get a break on their insurance rates. We are wearing the safety gear. I agree with you.. but here's the thing... I go to get insurance, all the while telling the insurance agent and signing something that states "Yep, I always wear my helmet, wouldn't dream of riding without it, heck, I might start walking with it on because it's much safer" Then BAM! I'm in an accident and no helmet in sight. I don't die, becuase I was only going 25 MPH in a school zone when a St. Bernhard ran out in front of me, and I rode into a parked car trying to avoid the beast... From an insurance companies point of view, I provided false statements on my insurance application, and by golly, I'll get dropped from my insurance. However, there are those pesky statistics that insurance companies love so much that say something like a rider not wearing a helmet is at an X% higher risk of traumatic brain injury. So, I'm now a cucumber drooling on myself because either the machine helping me breath makes it impossible for me to swallow, or I just can't seem to remember how to swallow at this point. The insurance company's choice here is not as cut and dried as one might think. They can, according to the contract that I signed when I got the coverage states, refuse to pay any and all claims due to false statements provided on the application. At which time, my now destitute spouse will get a call from a very hungry attorny who promises that "if you don't win, I don't get paid!" and even if it's not quite right, and I was definately in the wrong, the insurance company will either be in court for years, or more than likely just pay my spouse, and her now fat attorney off to keep down expenses. Oh, by the way.. Those expenses are passed along to you because I was an idiot. With that kind of risk, well, me telling an insurance company that I always wear my helmet probably isn't going to get me a discount. Now if a hidden arm held my shoulders and slammed said helmet on my head as soon as I started up the bike?.. now thats worth a discount.... LOL
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