 Please wear your gear.
|
Joined: Apr 2005
Posts: 1,307
Learned Hand
|
OP
Learned Hand
Joined: Apr 2005
Posts: 1,307 |
Saw a real real bad accident this morning..
Was sitting at the light where my road and the main drag meets. A guy on a sport bike is going North to east heading toward down town Charleston. No helmet, a wind breaker, and kaki pants. I am not really sure if he tried ot change lanes, or if someone changed lanes into him. But he slid, about 75 to 100 feet untill he his the grass median. Upon hitting the median his head hit the concret curbing killing him. If he had been wearing a helmet he would be alive right now. I have seen a lot of bad accidnets in my life, but not one like this happen infront of me. So please wear a helmet at a minium.
Dont like what you see??? Big red X in the top right of your screen will fix it!
|
|
|
Re: Please wear your gear.
|
Joined: May 2007
Posts: 5,068 Likes: 1
Saddle Sore
|
|
Saddle Sore
Joined: May 2007
Posts: 5,068 Likes: 1 |
What an utter waste . I these folks could grasp the amazing complexities of their brain , they would do a better job of saving it . Sad , he's got survivors in anguish now . 
|
|
|
Re: Please wear your gear.
|
Joined: Dec 2007
Posts: 531
Adjunct
|
|
Adjunct
Joined: Dec 2007
Posts: 531 |
Wow, I'm going to be down your way soon and was kind of looking forward to going naked but that just changed my mind.
pain is temporary, pride is forever.
|
|
|
Re: Please wear your gear.
|
Joined: Feb 2008
Posts: 13
Complete Newb
|
|
Complete Newb
Joined: Feb 2008
Posts: 13 |
Just a note about wearing your gear. For years I didn't. I was real lucky when a car pulled out in front of my by my house and did a sommersalt over his hood. Since I got the 04 TBA I've been pretty religous about wearing my gear.
I was on a weekend ride with my RAT group in Northern Minnesota last august and went down on a corner on a gravel road. Was only going about 25MPH. Thank God I had all my leathers and helmit on. No road rash! My chaps, jacket and helmit was scratched up, but better them than my hide. Minor dmage to bike and some pulled shoulder muscles.
WEAR YOUR GEAR!!
|
|
|
 Re: Please wear your gear.
|
Joined: Dec 2007
Posts: 195
Adjunct
|
|
Adjunct
Joined: Dec 2007
Posts: 195 |
Amen 
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 2,968 Likes: 1
Loquacious
|
|
Loquacious
Joined: Jan 2005
Posts: 2,968 Likes: 1 |
|
|
|
Re: Please wear your gear.
|
Joined: Apr 2006
Posts: 2,623 Likes: 2
Loquacious
|
|
Loquacious
Joined: Apr 2006
Posts: 2,623 Likes: 2 |
Oh my, how horrible.
ATGATT folks. A full-face helmet is a must. Ride safe.
Kevin - Luceo Non Uro
|
|
|
Re: Please wear your gear.
|
Joined: Apr 2005
Posts: 1,307
Learned Hand
|
|
OP
Learned Hand
Joined: Apr 2005
Posts: 1,307 |
While waiting on the cops ot get there so I could give my statment, I looked at the bike, very little damage. if he had taken the 5 seconds ot strap one on, he could have ridden it home.
Dont like what you see??? Big red X in the top right of your screen will fix it!
|
|
|
Re: Please wear your gear.
|
Joined: Dec 2007
Posts: 531
Adjunct
|
|
Adjunct
Joined: Dec 2007
Posts: 531 |
I'll be honest with you guys. In the winter I bundle up, old leather cop jacket and a half helmet. I don't much go for the newest gear I'm kind of old school the bare minimum is good enough for me. My brother just bought an old sportster in PA(no helmet law) and it was a bit liberating when I test rode it. In the summer I wear a tshirt and jeans that's just the way I am. I ride safe and pray the lord will take care of me.
pain is temporary, pride is forever.
|
|
|
Re: Please wear your gear.
|
Joined: Sep 2007
Posts: 820
3/4 Throttle
|
|
3/4 Throttle
Joined: Sep 2007
Posts: 820 |
I've come of a bike twice now. Never ever will I be without my leathers and lid... even if it's a quick 5 minute ride. There should be a law against 'No Helmet Laws"!!!!!
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 7,643
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2005
Posts: 7,643 |
Quote:
I've come of a bike twice now. Never ever will I be without my leathers and lid... even if it's a quick 5 minute ride. There should be a law against 'No Helmet Laws"!!!!!
Only in the UK, where the government make your mind up for you. Saying that I would never ride without one, even when I was a kid I rode with one before it came compulsory. Saved my life in 1976 even though my Mrs says my brain is scrambled though 
Ray(UK)
|
|
|
Re: Please wear your gear.
|
Joined: Mar 2007
Posts: 387
Adjunct
|
|
Adjunct
Joined: Mar 2007
Posts: 387 |
I have a buddy when he crosses the bridge to IL the first thing he does is stop to bag his helmet. He kinda touts me about riding with mine all the time, but I don't pay much attention to it. Ride safe by being safe and don't cave to peer-pressure.  OK, I'm off my box now 
Sono qui per la birra
|
|
|
Re: Please wear your gear.
|
Joined: Aug 2006
Posts: 2,555
Loquacious
|
|
Loquacious
Joined: Aug 2006
Posts: 2,555 |
Quote:
I've come of a bike twice now. Never ever will I be without my leathers and lid... even if it's a quick 5 minute ride. There should be a law against 'No Helmet Laws"!!!!!
It was a quick 5 minutie helmetless ride that almost killed my fat stupid a$$ last MM Day weekend. A skull fracture convinced me never to ride without a helmet again. BUT I will still never support a law that would force me to wear one, I am an American that gives me the right to me stupid if i so wish.
The percentage you're paying is too high-priced
While you're living beyond all your means
And the man in the suit has just bought a new car
From the profit he's made on your dreams
|
|
|
Re: Please wear your gear.
|
Joined: Sep 2007
Posts: 117
Adjunct
|
|
Adjunct
Joined: Sep 2007
Posts: 117 |
I'm really glad that the guys I started riding with were ATGATT guys. I can't imagine riding would be fun with guys pressuring me to take my lid off
|
|
|
Re: Please wear your gear.
|
Joined: Feb 2007
Posts: 23,227 Likes: 62
Fe Butt
|
Fe Butt
Joined: Feb 2007
Posts: 23,227 Likes: 62 |
I ride T shirt , jeans, and no helmet. I do wear a leather jacket if it is cool out. I ride safe. I don't give anyone a hard time about wearing one though and do believe it is a smart move in many cases. I do see Wendy in front of me with no helmet and it does bother me but there again it is her choice.
I learned all I need to know about life by killing smart people and eating their brains.
Eat right ,Exercise ,Stay fit, Die Anyway!
|
|
|
Re: Please wear your gear.
|
Joined: Oct 2006
Posts: 320
Adjunct
|
|
Adjunct
Joined: Oct 2006
Posts: 320 |
Been down 3X. Ask me about safety gear. Always wear a helmet, long pants, armored jacket and gloves + thick boots. Be safe, SteveB
"I live the life I love and I love the life I live."
|
|
|
 Re: Please wear your gear.
|
Joined: Jun 2006
Posts: 2,626
Loquacious
|
|
Loquacious
Joined: Jun 2006
Posts: 2,626 |
Just remember, if you ride over your head, your helmet is just the bucket they find your head in. And your gear is your funeral shroud. Many people ride more agressively, take more chances, when they are in full helmet and leathers, because they feel safe. In reality, all that safety gear will only protect you against the weather, the road, and the stationary objects. It won't protect you against another vehicle. And it definitely won't protect you against yourself. Thus endeth the rant. 
Steelheart- '03 Speedmaster Black/Yellow
The Hayabusa Killa
16" Shorties/140 mains/Airbox drilled
Procom CDI
"There is no cure for Celibacy. But we can treat the symptoms."
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 432
Adjunct
|
|
Adjunct
Joined: Jan 2005
Posts: 432 |
I'm with you on that. It really hurts to see all of the safty mamas harping about what we should wear and they should pass a law. My brother was killed helmitless on a bike when he was rear ended by a cage that was passing a group of cages. They estimated the cage was traveling above 100 mph in a 55 mile per hour zone. When people tell me he should have wore a helmet and could be alive today I really want to, well enough of that. I wear a helmet because a law was passed a long time ago to protect me! I say ******! If you want to make laws, make them to keep idiots off of the roads. Make drivers responsible for their actions. Right now, they are passing laws to make a cage more able to protect the driver when he ****** up. I say, take away the airbags, take away the steel beams in the doors, make the steering wheel immovable, take away GPS and televisions and phones and make all cars a manual shift. Make people drive again!
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 5,172
Saddle Sore
|
|
Saddle Sore
Joined: Jan 2005
Posts: 5,172 |
The old helmet arguement again.
It cannot be resolved.
PA has a helmet law. After riding licensed for the prescribed time and "coming of age" you have freedom of choice.
Gear or no gear, the wrong circumstances will kill you. I wear a helmet - a shorty in summer (the same one the police wear) and a full face when it gets cold. It makes my wife happy. It makes all the people who don't have a clue about riding think I am a responsible adult...
But if you don't use what's inside the helmet all the safety gear in the world won't save you.
Ride your own ride. Don't worry about being "cool" and fitting in. And don't listen to the badasses who give you crap because you aren't as dumb as they are.
Rant over.
Last edited by Deon; 02/27/2008 3:25 AM.
More flags
More fun!
|
|
|
Re: Please wear your gear.
|
Joined: Oct 2007
Posts: 129
Adjunct
|
|
Adjunct
Joined: Oct 2007
Posts: 129 |
What I find fascinating, is the double standard that exists for cars and motorcycles. I live in Kansas and we have no helmet law. I'm not for a helmet law. I say rider beware. Make your choice and live with what comes as a result.
That being said, the police here are all the time doing these "safety" campaigns about how they want to keep people safer on the road. Its a big public deal and they advertise it. This safety is accomplished by police who go out with the sole intention of spotting people without seatbelts, and then writing them a ticket.
I find it a bit surreal when I am riding on my bike, which is surely one of the least safe methods of transportation in existence, and I pass someone in a vehicle with airbags and side impact protection pulled over for no seatbelt. Is it really all about $afety?
I pretty much always wear a half helmet. I don't wear my leathers in the summer. I want to be as safe as I choose. I don't want someone else telling me how safe I "have to" be. Rights given up are rarely given back, no matter how sound the reasons are for letting go of them.
My '07 "For three days after death hair and fingernails continue to grow, but phone calls taper off." Johnny Carson
|
|
|
Re: Please wear your gear.
|
Joined: Jul 2007
Posts: 6,060 Likes: 6
Worn Saddle
|
|
Worn Saddle
Joined: Jul 2007
Posts: 6,060 Likes: 6 |
Man oh man, I gotta get into this rant! I don't wear a helmet most of the time, but I'm not proud of it. I really try to like one. And I would never give someone grief about wearing one. That's just macho Bull***t. But to twist this rant around a little bit... Last year,Eleven motorcyclists were killed in my state by friggin DEER! So don't let the government tell me it is in my best interest to wear a helmet when the Government is pasturing 200 pound cattle all across the highways!  Okay, my rant is over. Now I feel better.(And regular site browsers know where I'm coming from, and might be tired of the subject coming from me).(I apologise to those)
Fidelis et Fortis
|
|
|
Re: Please wear your gear.
|
Joined: May 2006
Posts: 3,971
Loquacious
|
|
Loquacious
Joined: May 2006
Posts: 3,971 |
I used to be fairly lax with no helmet and so on, then I read the road rash girl story, and it got me to thinking, my "It won't happen to me" thing didn't work too well when I had Cancer, so what's to keep me from doing a high speed get off if the situation arose? Nuttin. I'd feel mighty stoop-it floppin' around like a penguin with a pair of scar-tissued / skin grafted mitts that are barely able to hold a fork, or wipe my own hind quarters, let alone spin a wrench or screwdriver. "Scarface" or "Scabman" as a nickname probably wouldn't be my life's long dream either. It was around that time I discovered the miracle of mesh motorcycle clothes -- not a cure all, but... But hey, that's just me
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2006
Posts: 7,695 Likes: 22
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2006
Posts: 7,695 Likes: 22 |
Quote:
There should be a law against 'No Helmet Laws"!!!!!
There should be a law that there should be no law that infringes on an adults right to choose. Oh, there is one, thats right, but thats here. We keep forgetting that, one vice and one decision at a time.
Sooner or later they will get to limiting something you do and you will squeal like little babies about it. NO FAIR! Ride your own ride. Wear a really bright helmet so they can find your head a bit easier. Oh, wear white leather, the blood shows up better on white so they will see you in the ditch.
Did you ever notice the sport bike guys are the ones that generally always have the helmets, leathers, boots, etc? Did you ever notice that they have the highest insurance rates? Wonder why the rates are so high for such safe riders? They have the gear on????
I try to aggravate one person a day. Today may be your day.
|
|
|
Re: Please wear your gear.
|
Joined: Jul 2007
Posts: 6,060 Likes: 6
Worn Saddle
|
|
Worn Saddle
Joined: Jul 2007
Posts: 6,060 Likes: 6 |
Things must be different around here. I hardly ever see a sport bike rider with gear on. It's always a young kid, riding his jap rocket, with T shirt, shorts and floppys! Every time I go by one I cringe! the only gear wearers around here are hardley riders, and the occasional gold wing. I'm always thinking about pulling up to the kids and politly encourage them to put some clothes on, if not at least long pants! The young girls on the back? Always shorts and little else! But I never do. I know I would just get the "old codjer glare".
Fidelis et Fortis
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 11,126 Likes: 13
Should be Riding
|
|
Should be Riding
Joined: Jan 2005
Posts: 11,126 Likes: 13 |
Many of the things that are pushed as being allegedly good for us, actually end up harming us.
Blowing gravel off rural roads
|
|
|
Re: Please wear your gear.
|
Joined: May 2007
Posts: 6,432 Likes: 1
Worn Saddle
|
|
Worn Saddle
Joined: May 2007
Posts: 6,432 Likes: 1 |
Last year while l was passing through South Carolina I pulled up next to a kid on a sport bike. Flip flops, tanks top, baggies and no lid while I sweltered in my helmet boots and jacket. We both looked at each other like "you're crazy man.." And so it goes, two sides to riding never too close the gap. Each to his own. Like Bucky, I read the road rash girl story and it made me cringe. It made me remember Raleigh, NC in 1980 I was a lighitng guy for a Delbert McClinton and Robin Thompson Band show at the city theatre. While up on top of a 24" Genie Superlift focusing the lights either the stage lip cracked or the outrigger failed...doesn't matter as the whole assembly tipped off the stage into the audience area. That's when the slow motion perception began. I rode it for the first 28 feet or so and actually managed to get myself situated on the side of the lift where I was planning to jump into the aisle in hopes of only spraining an ankle. Then the boom hit the floor and the inertia flung me like some giant hand would toss a rag doll into the third row. Shattered elbow, broke all of the left ribs and a gaping hole in my left thigh. Right up to that point I was pretty athletic. The memory of being out of control makes me wear gear. Sometimes not as much as I should but always boots and helmet. Self preservation first, "freedom of the road" second; a free corpse is still dead and isn't going to get much riding done.
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. Herm Albright (1876 - 1944)
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2006
Posts: 7,695 Likes: 22
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2006
Posts: 7,695 Likes: 22 |
Quote:
Many of the things that are pushed as being allegedly good for us, actually end up harming us.
Great post Moe. I agree 100%
DitchDr actually is getting his thread stolen when his thought was really well intended. Gear can save your butt for sure.
I try to aggravate one person a day. Today may be your day.
|
|
|
Re: Please wear your gear.
|
Joined: Aug 2007
Posts: 517
Adjunct
|
|
Adjunct
Joined: Aug 2007
Posts: 517 |
Most of my riding buds do not use as much gear as I do. They know me well but every time and again they bust my chops on a stop. I'm the only one to have had a major "get off". I tell them whan it's their turn I'll take 'em to the store to get some gear!
|
|
|
Re: Please wear your gear.
|
Joined: Aug 2007
Posts: 517
Adjunct
|
|
Adjunct
Joined: Aug 2007
Posts: 517 |
Roadie,
Did you see Delbert with Jimmy Vaughn doing the Jimmy Rodgers tribuite show-Austin City Limits? Yes, babe!
Last edited by KingOfFleece; 02/28/2008 9:21 PM.
|
|
|
Re: Please wear your gear.
|
Joined: Mar 2006
Posts: 2,527
Loquacious
|
|
Loquacious
Joined: Mar 2006
Posts: 2,527 |
Let those who ride decide. ABATE. Thats the real deal.
Wear em if you want but let those who ride decide one way or the other.
"Proud to be an Infidel" ... "100% pure American Jingoist"
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 4,541
Loquacious
|
|
Loquacious
Joined: Jan 2005
Posts: 4,541 |
Quote:
Did you ever notice the sport bike guys are the ones that generally always have the helmets, leathers, boots, etc? Did you ever notice that they have the highest insurance rates? Wonder why the rates are so high for such safe riders? They have the gear on????
That has nothing to do with what the rider may or may not be wearing. Sports bikes cost more to insure because they cost more to repair. All that body work costs a fortune to replace. Inadition to the fact that they are more powerful.
When i had two bikes on my insurance, (TBA and the Suzook TL1000) 75% of the insurance rate was to cover the TL. Same rider rode both bikes and I wear the same amount of gear regardless of what i am riding. Helmet, jacket, gloves and boots.....always.
I've never heard of an insurance company asking you what you wear while riding before issuing a quote.
Last edited by Arsenalfan; 02/29/2008 11:11 AM.
Arsenalfan. AKA Mark Able
Seller of fine automobiles.
Jaguar, Land Rover, Porsche of Chattanooga
423-424-4000
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 12,877
Should be Riding
|
|
Should be Riding
Joined: Jan 2005
Posts: 12,877 |
Quote:
That has nothing to do with what the rider may or may not be wearing. Sports bikes cost more to insure because they cost more to repair. All that body work costs a fortune to replace. Inadition to the fact that they are more powerful.
And they crash more often with all the stunting...
Oh and around here they do NOT necesarily have more gear on. Sure they ALLLL have a fancy full face helmet, but I see LOTS of guys with just a sweatshirt, or flip flops, or other such rediculousness.
Benny
Black & Silver '02
Too many mods to list
Not enough miles ridden
|
|
|
Re: Please wear your gear.
|
Joined: Jul 2006
Posts: 879
3/4 Throttle
|
|
3/4 Throttle
Joined: Jul 2006
Posts: 879 |
My son, having totalled an SV650 and a GSX600 in accidents that were not his fault (ok he fell of the GSX a few times in the wet) and has suffered broken bones but NEVER EVER rides without full leathers, proper boots and gloves and a full face helmet.
He will not ride with me if I have my open face helmet on.
There are four of his full face helmets in the garage with nasty grooves where his face would have been in any other type of helmet.
The Caberg is perfect in the hot weather without the jaw piece, but when you see the results of a face slide.....
If you do it today you MIGHT regret it. If you CAN'T do it tomorrow you WILL regret it.
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2006
Posts: 7,695 Likes: 22
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2006
Posts: 7,695 Likes: 22 |
Quote:
I've never heard of an insurance company asking you what you wear while riding before issuing a quote.
Let me educate a bit. Sport bikers are more likely to wear more gear. Yes there are exceptions to everything. The VIN on the sport bike is what triggers the insurance rates. Its not the repair cost or a Harley Heritage Softail would be thousands to insure. They capture the stats on who gets sued when they hit and how hard they hit. They don't care who dies because they are not giving out health insurance.
The GSXR and the CBR100RR for liability used to be the highest and probably still are. The reason is they are driven at super high speeds and tend to hit stuff.
My post was really meant to say, a larger percentage of sport bikers use more gear than the cruiser guys. Its the behavior on the bike that kills most people. Meaning even with all the gear they hit more stuff than cruisers because they tend to take way more chances than cruisers.
#1 cause of death is a left turn in front of a bike. (If the bike is well in excess of the limit he can't stop or avoid so his odds of dying increase)
#2 cause of death is speed single vehicle accident
#3 cause is alcohol also filters through the top two.
Gear or no gear is not even captured by NHTSA. Its horsepower and behavior. Ask you agent the insurance cost on a GSXR vs. a Ultra Classic.
I try to aggravate one person a day. Today may be your day.
|
|
|
Re: Please wear your gear.
|
Joined: Mar 2006
Posts: 2,527
Loquacious
|
|
Loquacious
Joined: Mar 2006
Posts: 2,527 |
The argument never really ends and is not without its hypocrisy.
There most certainly are those individuals on this board who love to ride and have ridden for most if not all of their adult lives and would not dream of riding without the full complement of "gear" ...yet they smoke cigarretes with a passion that transcends common sense at all. I guess the slower death brought about by years of smoking and the prospect of lying dying in a cancer ward is "OK" as opposed to the quick and timely death of a high speed blow to the cranium that brings about death or severe injury and incapacitation.
We all make choices in life based upon simple preference where its allowed by law.
We have all seen those riders at the large rallies in the summer months riding cruisers wearing shorts and chukka boots, sans helmets and a wife beater or just a T-shirt.
Its easy to look at them and condemn them as "stupid" yet when we look closely we will all likely find instances where we make choices to take risks and disavow safety for fun and convenience or comfort.
"Let those Who Ride Decide" ....
You can lecture and pontificate until the cows come home but the very freedom of choice we have in some states is "golden"
"Proud to be an Infidel" ... "100% pure American Jingoist"
|
|
|
Re: Please wear your gear.
|
Joined: May 2007
Posts: 6,432 Likes: 1
Worn Saddle
|
|
Worn Saddle
Joined: May 2007
Posts: 6,432 Likes: 1 |
Quote:
"Let those Who Ride Decide" ....
You can lecture and pontificate until the cows come home but the very freedom of choice we have in some states is "golden"
The real question to me is: will those of you who choose then allow the EMTs the choice not to treat extraordinary injury on site so our insurance money doesn't have to participate in your choice (and raise my rates)? 
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. Herm Albright (1876 - 1944)
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2006
Posts: 7,695 Likes: 22
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2006
Posts: 7,695 Likes: 22 |
Quote:
The real question to me is: will those of you who choose then allow the EMTs the choice not to treat extraordinary injury on site so our insurance money doesn't have to participate in your choice (and raise my rates)?
I didn't see your name on my policy. Nope, just checked, just my name is on my policies. Just my name is on the checks I write for the premiums too. Dang, you are not on my title either.
You have a helmet law surely not a single death this year on bikes. All that gear saved em all I am sure. 
I try to aggravate one person a day. Today may be your day.
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2005
Posts: 6,821
Bar Shake
|
|
Bar Shake
Joined: Jan 2005
Posts: 6,821 |
Lots of factors in determning insurance rates (I'm sure that you know that Ron, just posting for general edification). Here's some stats from Progressive : Most Likely to be Stolen: 1. Suzuki GSX-R; 2. Yamaha YZF-R; 3. Suzuki Hayabusa; 4. Honda CBR; 5. Kawasaki ZX-R. Least Likely to be Stolen: 1. Suzuki Savage; 2. BMW R1200C; 3. Yamaha Virago; 4. Honda Nighthawk; 5. Triumph Bonneville. Most Likely to be in a Crash: 1. Suzuki GSX-R; 2. Suzuki TLR; 3. Kawasaki ZX-R; 4. Honda CBR; 5. Yamaha YZF-R. Least Likely to be in a Crash: 1. Yamaha Virago; 2. Honda Rebel; 3. Honda Nighthawk; 4. Suzuki Savage; 5. Harley-Davidson Tour Glide. Other information about locations too: Web bike world
Contra todo mal, mezcal; contra todo bien, también
|
|
|
Re: Please wear your gear.
|
Joined: May 2007
Posts: 6,432 Likes: 1
Worn Saddle
|
|
Worn Saddle
Joined: May 2007
Posts: 6,432 Likes: 1 |
Quote:
I didn't see your name on my policy. Nope, just checked, just my name is on my policies. Just my name is on the checks I write for the premiums too. Dang, you are not on my title either.
You have a helmet law surely not a single death this year on bikes. All that gear saved em all I am sure.
Dead people don't drive up costs so it's really not about the gear saving them, it's about the $250K that an average head injury costs. Surely your policy doesn't cost you that much, yet if you fall off your bike at the curb like Gary Busey, that's what the repair will run. Where do you think the rest of the money comes from?
It only cost this guy $45K to wreck his sport bike...
A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort. Herm Albright (1876 - 1944)
|
|
|
Re: Please wear your gear.
|
Joined: Jan 2006
Posts: 7,695 Likes: 22
Monkey Butt
|
|
Monkey Butt
Joined: Jan 2006
Posts: 7,695 Likes: 22 |
You said it, sport bike. That was my assertion in the beginning. Its driving behavior. Quote:
Most Likely to be in a Crash: 1. Suzuki GSX-R; 2. Suzuki TLR; 3. Kawasaki ZX-R; 4. Honda CBR; 5. Yamaha YZF-R.
I think I said something earlier about the GSXR and CBR. Its the horsepower and attitudes that buy them that drive the rates. Not the gear.
The first party losses like theft are born with the higher full coverage costs. Liability is the law so I just used that one. All others are optional unless you borrowed money on it. Then thats a complaint you would have with your bank and your banking decisions.
I find the most likely to be stolen a real hoot. They are probably the most likely to tank in depreciation and not be able to be sold for the payoff to the bank. Go figure Kinda like house fires are about to be on the rise very soon.
Quote:
Where do you think the rest of the money comes from?
It comes from the law of large numbers generated from the actuarial crunching for risk. Where do you think the money came from for many of the wasted livers, and brains of your employers in the music industry came from on their many, many trips to the ICU for just having fun? They factor that too and the bar industry. If there is an activity or occupation they have studied it and applied a risk factor to it. Everybody pays for it. Most in the music industry have no health insurance but I bet they get sick. How dare them smoke, drink, and drug on my dime 
They look at overall risk and charge premium for the behavior and the exposure. Your fight is with the Stats on the sport bikes. That is where you are taking the hit. Gear is not factored nor are closed head injuries. The stats are not captured for helmet or no helmet. Anyone who says they are is telling you a lie. NHTSA has no hard stats on it.
They factor law suits, injury claims, property damage claims, and collision. The health insurance industry factors in macro numbers where Cancer, Heart, and Vascular are killing them and their bottom lines. Head trauma is a drop in the bucket to them compared the big 3. Yet they still make billions.
When Alabama passed the helmet law did they reduce health insurance rates? No way
I try to aggravate one person a day. Today may be your day.
|
|
|
|
|
