Sounds like we differ only our conclusion, and then only marginally. I agree, the ins. companies cannot implement a policy of selective coverage, based our questionaires. They pay for someone who crashes their car while drunk. I don't drink, and I certainly do not drink and drive. But who's gonna tell the insurance carrier that they "occasionally" drink and drive? You are exactly right about this. The problem is that there ARE laws about how MUCH you can drink. And, you may have noticed that those laws have continued to change, lowering the BAT content required to be charged with DUI. With helmets, it's either on or off. No in between.
My contention is that yanking the right to ride lidless away from me infringes on my rights. This is NOT a right. You may feel it is, but it is not. You have a privilege to operate a motor vehicle on public roads. You do not have a right. Those privileges can be revoked for any manner of issues, such as exceeding the speed limit or reckless driving, or not having insurance. They can just as easily and legally be withdrawn for now following the rules. It is a freedom I enjoy. Freedom isn't free is more than a cute bumper sticker, it is applicable in many ways. And as somebody who spend more than 20 years actively defending that "freedom" I know exactly how it is not free. And neither I nor my compatriots would have defined being able to ride lidless as a "freedom". While I'm not lobbying for helmet laws, I also don't like hearing it falsely described as a "right" or "legal freedom".I do not agree that it costs society more for me to go lidless. Stats show that the percentage of uninsured bikers in hospitals (and there are some, I'll concede) is lower than the percentage of uninsured of the population at large. Its a smaller problem than the general population. This argument holds no logic, sorry but it doesn't. My insurance rates are based on motorcycle statistics, not overall driving statistics. So, my insurance is based on "that smaller population" - making it the "entire" population. Beyond that, for you to believe that it does not "cost cosiety more for me to go lidless" is based on zero data. Every single solitary report, review, and data collection conflicts with your conclusion. Not to be overbearing, but again - every single medical organization disagrees with you completely. Every single insurance company disagrees with you completely. Every single professional physician/surgeon association disagrees with you. Every single government traffic safety organization disagrees with you. Yet, somehow we're to believe that you're right?
I also happen to believe that if our policy costs $100/ year this year, with no helmet law, next year, with a helmet law it would $103/year. Well, I can't provide any information to the contrary except what I have already. That is, that when my insurance company pulled out because of the helmet issue, my rates went up about $100 per year. The same company I get bike insurance can also provide auto, and it is not "that much" more expensive than my auto carrier. Therefore, my correlation is that you are in fact wrong - at least here. Though I agree that this is only circumstantial. That is, the exact same cost, adjusted for inflation. I do not believe the cost of insurance would go down. Has your auto insurance dropped with the implementation of the seat belt law? Actually, my insurance premiums have not gone up to match inflation, so actually I could say yes. And beyond that, Yes, they also went down for a similar reason. Limited tort. When that option became available, and I selected it, my rates were reduced. Less risk to the insurance company, lower premiums to me.no? why not? Precisely because of the reason you just mentioned. While the insurance company can lower costs based on THINGS like airbags, safer cars, less powerful cars, they cannot lower prices based on BEHAVIORS like actually USING the seatbelts and helmets, turn signals, etc., at least not at an individual policy level.
This is the exact same discussion we had about a year ago. My position hasn't changed, neither has yours. We ain't gonna argue the other guy into submission. If you feel better with a helmet, wear it. If you accept the risks without one, don't. If mcs terrify you, cage it. If cars terrify you, walk.