<VV> Medical waivers - No Corvair

[Mark Corbin]

Insurance is all about sharing the expense of mishaps. May be a socialist
idea, but in truth, that's the way insurance works - spread out the cost of
a mishap amongst all the clients in the form of premiums paid. So the sad
truth is that for every person who refuses to accept responsibility for his
own contributory neglegence of not wearing a helmet or seat belt, we (the
clients) all end up having to share the added burden of those unnecessary
expenses in the form of higher premiums. 

I'm all for allowing individuals to make their own decisions about whether
to wear a helmet or seat belt. But only if insurance companies would either
cut the coverage or up the premiums porportionally to those who are so
neglegent as to not wear a helmet or seat belt. THAT is my beef with
insurance....

-Mark

> [Original Message]
> From: <AeroNed at aol.com>
> Subject: Re: <VV> Medical waivers - No Corvair
>
> One of my favorites are the states that mandate the use of seatbelts, but

> riding a bike without a helmet is just fine. Here in Kansas they take it
a 
> step  further. You can ride a motorcycle without a helmet, but not a
bicycle. 
> I'd love  to hear the explanation for that.
>  
> Ned
>  
> In a message dated 8/24/2010 4:45:44 P.M. Central Daylight Time,  
> lclarkpdx at gmail.com writes:
>
> Don't even joke about needing medical waivers for  dangerous behavior. I 
> have
> heard the same thing suggested numerous times  regarding motorcycle
riders -
> an activity I enjoy and plan to  continue.
>
> Once that can of worms is open, the insurance companies will  jump to
> determine which activities are "dangerous", and therefore less 
profitable.
> How would you like them to determine that driving a classic car  without
> airbags is a dangerous activity, and not covered by insurance. How  about
> eating high-fat foods? A slice of cheese, or birthday cake could 
invalidate
> your health insurance. Imagine going to the hospital suffering  from heart
> attack symptoms, and the questions on the admission form has  stuff like
> "have you ever eaten bacon", or "gone a week without aerobic  exercise"?
How
> many questionnaires like this would the average person  pass.
>
> This is not a road we want to take.
>
> Lonny
>
> PS:  We were all young-and-stupid once, and our parents' generation
lamented
> the  state of younger generation. Most of us grew out of it (mostly). The
> same  will happen to this generation.
>