Quote Originally Posted by DJD View Post
Well riding without a helmet can cause head injuries but not always. If you think a special policy might be in order then we need them for smokers, overweight folks, stroke and heart attack folks and anyother catagory that you might create.
Know what I mean? I'm willing to bet far fewer people die from head injuries on a motorcycle than those who choose to smoke, drink, eat too much or choose to be unhealthy.
You're right, but among those groups you named, the only one driving up my auto insurance rates is those who ride motorcycles without a helmet.

My bad, I should have said "their own little auto insurance pool." And BTW, smokers already do pay more for health insurance under most plans, and increased premiums for obesity are on the way.