While I agree, I think there is a problem due to insurance. in a sense, if i have the same insurance, then we pool risk, and my actions could have monetary consequences for anyone else on the same plan. No I don’t want to go down the road the slippery slope that this is.Put differently, I think not wearing a helmet when motorcycling is stupid. But people have a right to do things that I think are stupid, so long as they don't harm others.
Insurance companies should be free to charge differential rates depending on helmet wearing. Since that may be hard to enforce (people might promise to wear helmet to get lower rate then "forget" to wear it), the insurance companies could recoup the costs in more reliable ways, like having a significantly higher deductible or paying only a % of damages, in accidents where the insured was not wearing a helmet.While I agree, I think there is a problem due to insurance. in a sense, if i have the same insurance, then we pool risk, and my actions could have monetary consequences for anyone else on the same plan. No I don’t want to go down the road the slippery slope that this is.
Yeah, sorry!Wrong sub-forum
I agree its probably small potatoes, but a helmet law also costs nearly nothing compared to the cost of the consequences.If we're talking about medical expenses, consider the top causes of disease, death and medical expenses: type II diabetes, heart disease, obesity, and other conditions that are all lifestyle related. If the argument is that the state has the right to force motorcyclists to wear helmets because others have to pay their medical expenses, then that argument also says the state has the right to force people to eat more vegetables, less meat, drink less sugary drinks and alcohol, and exercise daily. That would save us (society) FAR more than whatever injured motorcyclists are costing us.
Great question. I suspect they do charge differential rates, or the policy says you're not covered if you weren't wearing a helmet. If they don't, it means either (A) motorcycle helmets have no statistically significant cost savings, or (B) laws (or other practical measures) prevent insurance companies from charging differential rates to reflect the costs.... So in state's without a mandatory helmet law, do insurance companies charge different rates for wearers and non-wearers? ...
Don’t most states have seatbelt laws? I don’t see the difference.
Well if your society is rational then you should be fine! You should make sure your local school board is funded half decently!However, my point is that if cost saving alone (without any direct harm to others) justifies forcing people to do things they don't want to, then society can rationalize forcing anyone to do anything.