I miss Kham. You don't ever tell me to fuck!
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Right, this expands it to all riders of bicycles. Regardless of age.
Quote:
265:152-a Protective Headgear. No person shall drive or ride upon a bicycle or moped unless he or she wears protective headgear in compliance with 16 C.F.R. part 1203 and as prescribed by the director of the department of safety, division of motor vehicles. All protective headgear shall be correctly sized for the driver or rider and shall be equipped with a chin strap.
It's also true. One of the main arguments that many people use to support helmet and seatbelt and other laws "for your own good" is to claim that lack of such laws costs other people money, and that it is therefore right and just that those other people have a say in your risk tolerance and behavior. That argument is a lie, and should be exposed as such.
PhilB
It is absolutely true.
Is this really true though? I get that what you're saying is true for bad accidents, but what about not-so-bad accidents? In these cases you're a lifetime vegetable without a helmet, but just fine if you wear one.
Your skull/brain is actually pretty fragile. You can suffer a severe head injury with a bad fall onto a tile floor.
I my be mis-remembering, but we discussed this with the RMV director at MSF meetings. A little current research shows that warmer weather is a higher risk factor than helmet non-use.
insurance company rates are based on claims risk, period
for the most part, most people drive/ride within 25 miles of your home. your zip code is a big factor, it takes into account heavier traffic and higher % of bad or younger drivers
then the obvious, your personal driving record and PAST CLAIMS
age group
then more minor rate adjustments, things like credit status, student grades
and that can get all blown to hell if you got a member of the household with a shitty driving record, esp
After almost a decade of working FD in a city with a lot of highways I think I changed my mind.
It roughly balances, financially. Some people get expensive injuries that they would not have gotten, but other people die who would have survived with expensive injuries.
Saving lives is good, and I always wear a helmet when riding, regardless of the laws. But I do not have the right to dictate what someone else's risk tolerance can be, and neither do you, and neither does the government. And if any of us DID have that right, there would be exactly nothing stopping the abuse of it to coerce people's behavior about *any* risky or expensive behavior. Laws prohibiting motorcycling entirely? Easy to do. Laws prohibiting scuba diving, horseback riding, skydiving, eating fried foods, smoking, anything someone thinks is dangerous -- it all falls under that same umbrella. No thanks.
PhilB