Friction Police
BIKERS: instead of laws, what about insurance breaks & benifits?
there are 2 major laws that seem to be causing more & more friction between police/politicians & free spirited motorcyclists.
they are the helmet laws & the noise pollution laws.
but instead of making all these rules & fines, what if there were to be a deal made out with insurance companies.
for I've seen commercials of a car insurance company (i believe it's state farm, or all state, but nonetheless...) that offers rewards & such for good drivers. can we offer the same for motorcycle insurance? as in, there should be a mandated law for one to wear a helmet & to keep the sound of their hog or crotch rocket to a minimum, but instead say that if they do such things, the high cost of insurance might go down a bit.
or something of a manor of that, please tell me what you think, this idea is just in its rough draft stages. thank you.
I asked my wife about that a few days ago. She's been in a major insurance company for 30+ years. She said no, that if there is no helmet law in a state, that they can't impose on that, or make a discount for riders who agree to always wear a helmet. She can't elaborate on that (typical insurance company gal I guess, all smoke and mirrors, even to her husband!), but she says they can't make the people they cover wear a helmet if the state they live in says they don't have to.
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