I don't know about a lot of you others, but I've had fewer injuries in 20 years of riding, than I have had in driving.
So, would I pay higher rates when I drive?
If you are talking about 'risky-lifestyles', are you ready to suggest that smokers pay higher rates? Fat people that eat too much fast food? How about Reservists and National Gaurdsmen? That's become a bit risky lately.
How about homosexuals?
That has got to be at the very top of the risk assessment chart. (IMHO)
I think smokers do pay higher insurance rates. It's all about the statistics and the tables -- insurance companies have been doing it a long time and have crunched a lot of numbers.
If it's more risky to ride without a helmet, they'll make the appropriate adjustments.
Smokers do pay higher rates as does anyone exposed to war, motorcycles, sky diving, hang gliding, private pilot etc.
At least my term life policies all have that....along with no suicide pay out for 2 years from purchase.
FINALLY, someone that makes sense.
Smokers DO pay higher rates for Health, Life and Auto insurance.
Up to the insurance firms to find out. That's why they hire mathematicians, physicians and scientists. And if you add market forces, then we are going to have a real fair system. And Reservists and NGs are on the gov't payroll anyway. But hey, that's my view of the world.