Sorry, but if a person can't afford insurance, then he/she shouldn't be in a vehicle. Insurance is part of the package. Yeah, the guy who didn't have insurance when he hit me didn't think he'd need it either, as he had cancelled it 4 days before, because he was pulling the car off of the road to work on it for a while. But, he decided that he could get by without it for one last ride I guess, and plowed into me! Guess who had to pay for his decision, me, and my insurance. Yeah, they are going to TRY to subrogate him, and recover the money, but I've seen where he lives and what he drives (a 84 Gremlin and a 96 Explorer), so guess what... Now, had I had only liability, guess who'd be paying all of the medical bills and the almost $5000 it cost to rebuild my bike, ME. Oh, of course, I could have sued, and he could repay me $50 a month for the next 30 years, but why should I suffer because he didn't think anything would happen. Things usually happen when you think they won't, not when you plan for them. Yeah, I hate shelling out a couple bills each month for insurance, but after the accident, I don't mind so much anymore. It's called responsibility. It's not always fun, but it's what is right. And personally, I'll take my chances with a helmet, I've bounced my noggin on the asphalt once, and I'm darn glad that my $80 helmet took the hit for me, instead of my face! Never had much of a problem with being distracted, having heat fatigue, or lack of vision either, and South Carolina isn't exactly cold in August. Have had a problem with a big fat horsefly, a hornet or 2 and god-knows-what-else hitting my visor at 60 on the other hand. Yeah, it won't protect you from a broken neck, but it'll do wonders for sliding face first down the asphalt!! I'm ugly enough thanks, don't need a nice case of road rash of the face!
