Helmet Laws
According to this CNN article, motorcycle fatalites have gone up significantly since Florida repealed their mandatory helmet law. Over a three year period before and after the repeal, deaths increased by 81%.
The cost of hospital care has also risen significantly – from $10 million to $44 million in a 30 month period.
On the one hand, I don’t think the government has any place telling us what risks we can or can not take. I should be able to skydive, swim, rock climb, motorcycle, mountain bike, rappel, skateboard, or box as I choose. My life, my body, my choice.
On the other hand, I don’t think other people should be responsible for picking up the medical costs associated with damage I take from the risky choices I might make.
Unfortunately, the article does not specify who is paying for the increased medical costs. If it is covered by the motorcyclists or their insurance, I don’t think it should have any legal consideration. If the state is picking up the tab, there is an issue.
So what’s the right course of action?
Florida took an interesting approach, requiring at least $10k in medical insurance if you choose to ride without a helmet. I’m not sure how that’s working out for them.
In terms of insured motorcylists, I think insurance companies should be able to offer two policy types: A less expensive helmet required policy, or a more expensive wear it or not policy. If you purchase the helmet required policy and get in an accident without a helmet, the insurance company would not be on the hook for any medical costs associated with the head trauma.
However, how would that work if one had socialized health care? Maybe one could purchase a “helmet free” liscense plate that would cost a bit more but go into the health funds or something.
I dunno. Just rambling.
So what about the people that don’t have insurance, take stupid risks, and get hurt? Is society required to take care of them? If you apply it to motorcycle helmets and seat belts, what about driving in general? Eating at McDonalds? Smoking? Jaywalking? Living in an urban area?
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