In general, I agree with you. If I end up with something terminal, I don’t intend to use my public health insurance.
However, public roads are different, for none of us have the means to build our own roads therefore, by necessity, it is a public expense and nobody should have the right to cause the public to bear the costs of foreseeable possibilities like like motorcycle accidents. Nobody is requiring you to buy a motorcycle, and if you do buy one, you should be bearing the costs of the risk you are undertaking.
>>Nobody is requiring you to buy a motorcycle, and if you do buy one, you should be bearing the costs of the risk you are undertaking.<<
There are private insurance policies to cover you. I agree, your activities should not infringe on another.
This includes “public” insurance, private is another story.
These policies are priced in such a way as to cover the level of risk.
Now, want to lower insurance rates dramatically? Get the 20 million illegal aliens out of this country and from behind the wheel on our highway and byways.
Just had to throw that in.