"But I also think that the insurance companies should be able to have tiered policies. You should have to buy a non-helmet or non-seatbelt policy if that is the way you want to go. If you get into an accident without the helmet, and you haven't paid the high premiums, they should be able to refuse payments."
The "burden on society" was only the brain washing technique
that was used to march the masses into socialism, by the
big brother is watching out for you crowd. Insurance goes up with or without helmets or seatbelts.
Well, that may be true. I don't think I have been susceptible to brainwashing techniques, but who of us would know, right?...:)
I have worked in healthcare for 20 years. I know why motorcycles are called, in the venacular of some health care personnel, "organ donor generators". I have seen the results of a little bit of road rash and a lot of cranial impact. Believe me, it is not brainwashing.
I personally think the sad result of of a brain death injury on a motorcycle can at least have some positive result if that unfortunate persons organs can be harvested and given to someone else.
However, the person who is only maimed, and requires 24x7 total care for the remainder of what counts as life because they didn't want to wear a helmet because it infringed on their right not to wear one, or because a helmet just doesn't look cool doesn't even have the redeeming quality of organ donation. What that requires is that all of us foot the bill for it, it won't be cheap, is is often, but not always preventable.
As I said before, I believe people should have the right to do what they want, as long as it doesn't affect or hurt others. If they want to hang from the ceiling while fornicating with goats, if it doen't hurt me, I don't care.
For society to pay the cost of what is often a preventable crippling injury caused by the refusal to wear a helmet, falls out of the category of freedom. We are being forced financially to support the burden of someone else's idea of freedom. And that is not freedom.
Just my opinion, yours may vary.