Helmet or No Helmet
 

How do you feel about this?

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

Insurance companies aren't going to drop rates out of the goodness of their heart.

They should, however, RAISE the rates of anyone caught without a helmet on the police report.

Would be? Doubt it. Should be, more like it.

And no I still wouldn't ride without one. My only exception is if I just finished some minor work on the bike and I need to see if it's operating correctly and I just pull onto my neighborhood street.

Most of the time I don't even get away with that if my garage helper is around.

Not even an option in my mind (which I'd like to keep from being splattered on the street).

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 don't know, but rates should definitely be lower for people who voluntarily wear them.
Yeah yeah, I know... how can you prove something like that?
It's kind of like companies that offer healthy lifestyle insurance incentives.
They have people sign a sworn statement that they'll maintain the conditions of the program and after that you have to just take them at their word. :idk:
I can't really see insurance companies willingly giving customers a discount based on good faith.

Mandatory helmets up here and let me tell you about our rates....through the roof! :rolleyes:

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.

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