I'm totally against denying insurance coverage or medical because of lifestyle choices ... what next ... you have type 2 diabetes (that was preventable - denied), oh your 30 pounds overweight you could have prevented that heart attack - denied, I know you quit smoking 20 years, it still lead to your illness - denied, honest mr insurance company I always wear my seatbelt, I just forgot this 1 time and I'm sure most of us have at one time or another.
I think it's a slippery slope it we start denying insurance claims based on lifestyle.
Something tell me the amount insurance companies pay out in claims to helmet-less riders or those not wearing seat-belts is minuscule compared to what they pay out for lifestyle choice's.
But I'm in Canada and we don't deny medical coverage for lifestyle choices.
Good point. I think not wearing a helmet is idiotic but don't really feel like seat belts and helmets should be legislated, talk about a slippery slope. But your point about denying claims is valid. Higher premiums would be a legitimate way to regulate 'choice'.
I don't know if there allowed to deny claim to helmet-less riders or if they must sign a waiver ... but guaranteed if they deny these people claims then you know they"ll push the limits and start denying claims based on other lifestyle choices ... hmmmm it says in in your signature on pearl jam.com that you've attended 260 pearl jam shows your claim for hearing aids denied .
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
I'm totally against denying insurance coverage or medical because of lifestyle choices ... what next ... you have type 2 diabetes (that was preventable - denied), oh your 30 pounds overweight you could have prevented that heart attack - denied, I know you quit smoking 20 years, it still lead to your illness - denied, honest mr insurance company I always wear my seatbelt, I just forgot this 1 time and I'm sure most of us have at one time or another.
I think it's a slippery slope it we start denying insurance claims based on lifestyle.
Something tell me the amount insurance companies pay out in claims to helmet-less riders or those not wearing seat-belts is minuscule compared to what they pay out for lifestyle choice's.
But I'm in Canada and we don't deny medical coverage for lifestyle choices.
well, private life insurance does. it's over double the cost for a smoker vs non-smoker. I can get it changed once I've gone a full year without putting anything other than air in my lungs. Since that's not going to happen anytime soon, damn rights I should pay more.
And yes, people who eat every fucking day at McDonald's should have their premiums higher than someone who eats organic vegetables. why should someone ELSE have to pay for my stupid choices?
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
I'm totally against denying insurance coverage or medical because of lifestyle choices ... what next ... you have type 2 diabetes (that was preventable - denied), oh your 30 pounds overweight you could have prevented that heart attack - denied, I know you quit smoking 20 years, it still lead to your illness - denied, honest mr insurance company I always wear my seatbelt, I just forgot this 1 time and I'm sure most of us have at one time or another.
I think it's a slippery slope it we start denying insurance claims based on lifestyle.
Something tell me the amount insurance companies pay out in claims to helmet-less riders or those not wearing seat-belts is minuscule compared to what they pay out for lifestyle choice's.
But I'm in Canada and we don't deny medical coverage for lifestyle choices.
well, private life insurance does. it's over double the cost for a smoker vs non-smoker. I can get it changed once I've gone a full year without putting anything other than air in my lungs. Since that's not going to happen anytime soon, damn rights I should pay more.
And yes, people who eat every fucking day at McDonald's should have their premiums higher than someone who eats organic vegetables. why should someone ELSE have to pay for my stupid choices?
We are talking about medical coverage ... and I'm saying it's a slippery slope to go down when letting insurance companies decide whether lifestyle choices factored into your condition ... because you know that if they say he wasn't wearing a helmet denied, he wasn't wearing a seat belt denied it'd only be a matter of time before the insurance companies said well "it must have been his lifestyle as to why he got type 2 diabetes" even though it might not have been or some other condition ... so as soon as you give them that power they'll no doubt abuse and push the limits ... so why give them that kind of power at all ... my guess is that it is a small percentage of claims ... and as for the seatbelt most of us at one time or another has forgotten to buckle up ... people shouldn't be punished for life because of mistake. Like I said I live in Canada ... my health info stays between me and my Doc ( hope).
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
We are talking about medical coverage ... and I'm saying it's a slippery slope to go down when letting insurance companies decide whether lifestyle choices factored into your condition ... because you know that if they say he wasn't wearing a helmet denied, he wasn't wearing a seat belt denied it'd only be a matter of time before the insurance companies said well "it must have been his lifestyle as to why he got type 2 diabetes" even though it might not have been or some other condition ... so as soon as you give them that power they'll no doubt abuse and push the limits ... so why give them that kind of power at all ... my guess is that it is a small percentage of claims ... and as for the seatbelt most of us at one time or another has forgotten to buckle up ... people shouldn't be punished for life because of mistake. Like I said I live in Canada ... my health info stays between me and my Doc ( hope).
I know what we're talking about. I'm saying I agree with how private insurance works, and I think that could be incorporated into medical coverage in some way. I'm in Winnipeg. I'm just saying I think it's horrible that the medical system is taxed beyond belief by people basically living in care because of a shitty choice they made, i.e: smoking.
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
We are talking about medical coverage ... and I'm saying it's a slippery slope to go down when letting insurance companies decide whether lifestyle choices factored into your condition ... because you know that if they say he wasn't wearing a helmet denied, he wasn't wearing a seat belt denied it'd only be a matter of time before the insurance companies said well "it must have been his lifestyle as to why he got type 2 diabetes" even though it might not have been or some other condition ... so as soon as you give them that power they'll no doubt abuse and push the limits ... so why give them that kind of power at all ... my guess is that it is a small percentage of claims ... and as for the seatbelt most of us at one time or another has forgotten to buckle up ... people shouldn't be punished for life because of mistake. Like I said I live in Canada ... my health info stays between me and my Doc ( hope).
I know. I'm in Winnipeg. I'm just saying I think it's horrible that the medical system is taxed beyond belief by people basically living in care because of a shitty choice they made, i.e: smoking.
so you think the government should have you submit a health examine every 5 years or so and determine how much tax one should pay for his/her coverage? and you trust the government to do the right thing? so If you get allergies/breathing problems because of pollution because of where you live, you should pay more? after all where you live is a choice ...
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
if I may ......
my step mother is a nurse and she told me sense the helmet law kicked in there have been a huge drop
in donner organs and that has resulted in more deaths do to lack of transplants, as morbid as that sounds
it's a fact but after thinking more about it I will probably always wear a helmet in fact for the last year or so I have been thinking about going to a full face helmet rather than the "skid lid" and ball cap underneith it that I wear now, funny that the older I get the more I think about this crap
btw I believe if you pay for insurance "your covered" plane and simple.
I think the tools who wear shorts and t-shirts here in Canada are morons flying down the highway. I would only heap a new nickname on them without a helmet.
you guys are serious about your helmet law.
was in windsor...and some douche stole my helmet. i filed a report...and on the way back to the states, i was yelled at by a group of motorcyclists...and then pulled over...no ticket, as i had my report...grabbed a bite to eat and was yelled at again by somebody in a car before i could get back over the bridge.
at the time, MI still had a helmet law....and i lived in Ohio...drove from detroit to ohio without a single issue
They probably seen the plates and thought: fuck we don't want to be using our tax money on the knob from out of town with no helmet if he goes down Damn americans taking advantage of our health care. put on a fucking helmet! All in fun brother!
As easy solution would be to offer two separate policies for riders; one for riders who wear a helmet and a second one for riders who do not. The first policy would likely have lower premiums but you run the risk of having your policy voided if you don't wear a helmet. The second policy would face higher premiums but riders would be allowed to ride without a helmet or other protection. If you're willing to pay to ride without a helmet you should be free to do so however your premiums will be calculated according to other riders who don't wear protective gear. The same thing could be done with seat belts as well.
If you're calculating premiums based on risk this shouldn't even be an issue.
so you think the government should have you submit a health examine every 5 years or so and determine how much tax one should pay for his/her coverage? and you trust the government to do the right thing? so If you get allergies/breathing problems because of pollution because of where you live, you should pay more? after all where you live is a choice ...
to be honest with you, I'm not sure how it should work, just sort of thinking out loud. I just think it's crazy that healthy people should have to pay the same amount of tax to support a system that allows all the fat bastards (me) out there smoking 3 packs a day (not me).
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
As easy solution would be to offer two separate policies for riders; one for riders who wear a helmet and a second one for riders who do not. The first policy would likely have lower premiums but you run the risk of having your policy voided if you don't wear a helmet. The second policy would face higher premiums but riders would be allowed to ride without a helmet or other protection. If you're willing to pay to ride without a helmet you should be free to do so however your premiums will be calculated according to other riders who don't wear protective gear. The same thing could be done with seat belts as well.
If you're calculating premiums based on risk this shouldn't even be an issue.
good idea
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
i think that if it is optional to wear a helmet or use a seatbelt, then it should be optional for your insurance companies to cover the injuries you sustain from not taking those protective measures.
sure it is your choice, but it should not be on your insurance company to pay for the liftime of care for you due to your traumatic brain injury. these things are preventable.
what he said.
Ditto here.
“The fear of death follows from the fear of life. A man [or woman] who lives fully is prepared to die at any time.”
As easy solution would be to offer two separate policies for riders; one for riders who wear a helmet and a second one for riders who do not. The first policy would likely have lower premiums but you run the risk of having your policy voided if you don't wear a helmet. The second policy would face higher premiums but riders would be allowed to ride without a helmet or other protection. If you're willing to pay to ride without a helmet you should be free to do so however your premiums will be calculated according to other riders who don't wear protective gear. The same thing could be done with seat belts as well.
If you're calculating premiums based on risk this shouldn't even be an issue.
good idea
yeah, that makes sense, BUT I'd really rather Insurance companies not dictate as they do currently much less what is proposed. It would be good if they worked for their policy holders and not their shareholders.
Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
you're finally here and I'm a mess................................................... nationwide arena columbus '10
memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
yeah, that makes sense, BUT I'd really rather Insurance companies not dictate as they do currently much less what is proposed. It would be good if they worked for their policy holders and not their shareholders.
Which policy holders? Certainly not for the ones who take additional precautions. I already can purchase various levels of coverage to suit my needs so why shouldn't I be able to do the same thing in this situation? We reward drivers for their driving records yet in this situation you don't want to differentiate between responsible and irresponsible motorists? Rates are calculated based on accidents and claims so why is it so unreasonable to create two separate pools for motorists who want to use safety devices like helmets and seat belts and those who don't?
yeah, that makes sense, BUT I'd really rather Insurance companies not dictate as they do currently much less what is proposed. It would be good if they worked for their policy holders and not their shareholders.
Which policy holders? Certainly not for the ones who take additional precautions. I already can purchase various levels of coverage to suit my needs so why shouldn't I be able to do the same thing in this situation? We reward drivers for their driving records yet in this situation you don't want to differentiate between responsible and irresponsible motorists? Rates are calculated based on accidents and claims so why is it so unreasonable to create two separate pools for motorists who want to use safety devices like helmets and seat belts and those who don't?
how would this take into account then the riders who choose not to wear a helmet that are the victims of careless car drivers?
Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
you're finally here and I'm a mess................................................... nationwide arena columbus '10
memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
i think that if it is optional to wear a helmet or use a seatbelt, then it should be optional for your insurance companies to cover the injuries you sustain from not taking those protective measures.
sure it is your choice, but it should not be on your insurance company to pay for the liftime of care for you due to your traumatic brain injury. these things are preventable.
Heck, with everyone texting while driving, riding a motorcycle is nuts alone.
Last year someone died in a NY helmet protest ride. Coronors said he would have lived if he was wearing a helmet.
i.r.o.n.y.
Look what happened to Mookie Blaylock who crossed a median into a headon collision and is now unresponsive, life support.
A collision can happen at any time, no fault of yours or mine. So take your chance if you like, it's your life to wear them or not.
Peace
*We CAN bomb the World to pieces, but we CAN'T bomb it into PEACE*...Michael Franti
*MUSIC IS the expression of EMOTION.....and that POLITICS IS merely the DECOY of PERCEPTION*
.....song_Music & Politics....Michael Franti
*The scientists of today think deeply instead of clearly. One must be sane to think clearly, but one can think deeply and be quite INSANE*....Nikola Tesla(a man who shaped our world of electricity with his futuristic inventions)
so you think the government should have you submit a health examine every 5 years or so and determine how much tax one should pay for his/her coverage? and you trust the government to do the right thing? so If you get allergies/breathing problems because of pollution because of where you live, you should pay more? after all where you live is a choice ...
to be honest with you, I'm not sure how it should work, just sort of thinking out loud. I just think it's crazy that healthy people should have to pay the same amount of tax to support a system that allows all the fat bastards (me) out there smoking 3 packs a day (not me).
I'm quite fine in terms of the way the system treats people ... I really don't want the government imposing medical exams to determine what someone should pay ...
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
I'm quite fine in terms of the way the system treats people ... I really don't want the government imposing medical exams to determine what someone should pay ...
as someone who once sold life insurance, i can tell you that you can not just "buy" life insurance. you have to qualify for it by passing a medical exam done by an independent medical facility. based on those results you can "buy" the insurance at the rates that are set for people with your medical conditions. the government is not involved, but the insurer sets the rates.
"You can tell the greatness of a man by what makes him angry." - Lincoln
I'm quite fine in terms of the way the system treats people ... I really don't want the government imposing medical exams to determine what someone should pay ...
as someone who once sold life insurance, i can tell you that you can not just "buy" life insurance. you have to qualify for it by passing a medical exam done by an independent medical facility. based on those results you can "buy" the insurance at the rates that are set for people with your medical conditions. the government is not involved, but the insurer sets the rates.
he and I are referring to the current Canadian medical system. there is no medical exam, nothing. if you are alive and Canadian, you get "free" medical care. no questions asked.
you just have to wait in line for 46 hours.
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
No, the risk is not yours and yours alone. If you get in a bike accident without wearing a helmet, or in a car accident without wearing your seatbelt, your medical bills go through the roof and guess whose premiums go up? Mine.
So yes, I am ALL for helmet laws. Saying that insurance companies can opt not to cover your medical bills is not a solution. Many patients would be unable to pay the bills themselves and would probably have to declare bankruptcy. The hospitals have to foot the bill and guess how they recover the cost? Rising procedure/visit costs that get passed on to everyone else...including insurance companies.
They'd have to declare bankruptcy you say?
Tough shit, should have worn a helmet.
Why would another persons premium go up? I don't get what you're saying there and maybe I don't understand how insurance works.
No, the risk is not yours and yours alone. If you get in a bike accident without wearing a helmet, or in a car accident without wearing your seatbelt, your medical bills go through the roof and guess whose premiums go up? Mine.
So yes, I am ALL for helmet laws. Saying that insurance companies can opt not to cover your medical bills is not a solution. Many patients would be unable to pay the bills themselves and would probably have to declare bankruptcy. The hospitals have to foot the bill and guess how they recover the cost? Rising procedure/visit costs that get passed on to everyone else...including insurance companies.
They'd have to declare bankruptcy you say?
Tough shit, should have worn a helmet.
Why would another persons premium go up? I don't get what you're saying there and maybe I don't understand how insurance works.
so you say the risk is yours, ending in the possible inflation of costs for everyone, not just the victim, and you say "tough shit, should have worn a helmet"? does me wearing a helmet help me with rising medical costs?
Gimli 1993
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
so you say the risk is yours, ending in the possible inflation of costs for everyone, not just the victim, and you say "tough shit, should have worn a helmet"? does me wearing a helmet help me with rising medical costs?
I see your perspective better as we slowly move towards a more governmental controlled universal healthcare system in the United States.
I'm quite fine in terms of the way the system treats people ... I really don't want the government imposing medical exams to determine what someone should pay ...
as someone who once sold life insurance, i can tell you that you can not just "buy" life insurance. you have to qualify for it by passing a medical exam done by an independent medical facility. based on those results you can "buy" the insurance at the rates that are set for people with your medical conditions. the government is not involved, but the insurer sets the rates.
I was referring to health insurance in Canada. As one who has to buy Home and Auto Insurance I''m not a big fan of insurance companies. I just hope our health coverage never ends up in the hands of insurance companies.
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
No, the risk is not yours and yours alone. If you get in a bike accident without wearing a helmet, or in a car accident without wearing your seatbelt, your medical bills go through the roof and guess whose premiums go up? Mine.
So yes, I am ALL for helmet laws. Saying that insurance companies can opt not to cover your medical bills is not a solution. Many patients would be unable to pay the bills themselves and would probably have to declare bankruptcy. The hospitals have to foot the bill and guess how they recover the cost? Rising procedure/visit costs that get passed on to everyone else...including insurance companies.
They'd have to declare bankruptcy you say?
Tough shit, should have worn a helmet.
Why would another persons premium go up? I don't get what you're saying there and maybe I don't understand how insurance works.
That's the problem "everybody pays higher premiums" for the acts of people. Here in Ontario we supposedly pay the highest auto insurance premiums in Canada, and my premiums alone are ridiculous, and we shop around every year. We are told it's because of the high rate of accidents in Ontario ... even though I haven't put in an auto claim in 20 years and that was for 1000 and that was the only auto claim ever ...
I have certain rules I live by ... My First Rule ... I don't believe anything the government tells me ... George Carlin
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
That's the problem "everybody pays higher premiums" for the acts of people. Here in Ontario we supposedly pay the highest auto insurance premiums in Canada, and my premiums alone are ridiculous, and we shop around every year. We are told it's because of the high rate of accidents in Ontario ... even though I haven't put in an auto claim in 20 years and that was for 1000 and that was the only auto claim ever ...
That's the problem "everybody pays higher premiums" for the acts of people. Here in Ontario we supposedly pay the highest auto insurance premiums in Canada, and my premiums alone are ridiculous, and we shop around every year. We are told it's because of the high rate of accidents in Ontario ... even though I haven't put in an auto claim in 20 years and that was for 1000 and that was the only auto claim ever ...
The number of auto accidents in the states has stayed relatively steady over the past 20 years, the number of deaths in all traffic accidents have dropped significantly over the same time...who is paying lower healthcare or transportation insurance rates than they were 10 years ago for the same amount of coverage because of it? Anyone? I would like to know your agent
They won't go down, at least not significantly enough to warrant any sort of celebration... I would settle for staying the same, but that isn't likely either.
My problem with these types of laws is, there is never an end. I know people get sick of slippery slope shit but look at .08 BAC here in the states. For 30 years they tried to get all states to adopt .08 as some sort of marker for drunk/not drunk. Then, a few years after it finally happens and all states are at .08, the NTSB makes a new recommendation of .05. Why? if .08 was good enough 30 years ago, and now it isn't is it because they just arbitrarily picked a number before? Of course someone with .05 is lower than .08, that is the same all the way down, but when all move to .05 over the next 30 years, will then .05 not be low enough?
who knows, I don't think people really need to be saved from themselves, not that people cannot be saved mind you, just that if they aren't interested in saving themselves why should I be?
that’s right! Can’t we all just get together and focus on our real enemies: monogamous gays and stem cells… - Ned Flanders
It is terrifying when you are too stupid to know who is dumb
- Joe Rogan
In Germany, helmets are mandatory on motorcycles and all open vehicles that have no seatbelt. Some people even proposed mandatory helmets on bicycles...
I don't feel like my freedom is violated by being required to buckle up or wear a helmet on a motorcycle. It makes sense to me. Maybe the law has to do with the health care system in Germany, which seems to be similar to Canada's?
While in Germany no health insurance company ever asked me to do a medical exam to prove my state of health, over here my insurance cost rose when I turned 35 (grrrr way to make that birthday even more "fun") and is also higher because I am a smoker and a woman. I get the fact that I pay more because of my smoking habit, it is my choice. My age and gender are not, but I guess I have to live with that. And I pay for the higher risk I personally choose. I don't like it, but I can see the logic behind it...
With the state of many of the roads and also vehicles and no proper regular vehicle safety check in place, I don't get the issues with wearing a helmet. Get a fancy one, use it as a space to convey your personal messages, it's the "bumper" of the vehicle, and enjoy safe rides
I will have a first aid kit in my car like it is also required in Germany and will try to help in case any of you crashes ...
Please, Pearl Jam, consider a Benaroya Hall vinyl reissue!
Comments
I don't know if there allowed to deny claim to helmet-less riders or if they must sign a waiver ... but guaranteed if they deny these people claims then you know they"ll push the limits and start denying claims based on other lifestyle choices ... hmmmm it says in in your signature on pearl jam.com that you've attended 260 pearl jam shows your claim for hearing aids denied
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
well, private life insurance does. it's over double the cost for a smoker vs non-smoker. I can get it changed once I've gone a full year without putting anything other than air in my lungs. Since that's not going to happen anytime soon, damn rights I should pay more.
And yes, people who eat every fucking day at McDonald's should have their premiums higher than someone who eats organic vegetables. why should someone ELSE have to pay for my stupid choices?
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
We are talking about medical coverage ... and I'm saying it's a slippery slope to go down when letting insurance companies decide whether lifestyle choices factored into your condition ... because you know that if they say he wasn't wearing a helmet denied, he wasn't wearing a seat belt denied it'd only be a matter of time before the insurance companies said well "it must have been his lifestyle as to why he got type 2 diabetes" even though it might not have been or some other condition ... so as soon as you give them that power they'll no doubt abuse and push the limits ... so why give them that kind of power at all ... my guess is that it is a small percentage of claims ... and as for the seatbelt most of us at one time or another has forgotten to buckle up ... people shouldn't be punished for life because of mistake. Like I said I live in Canada ... my health info stays between me and my Doc ( hope).
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
I know what we're talking about. I'm saying I agree with how private insurance works, and I think that could be incorporated into medical coverage in some way. I'm in Winnipeg. I'm just saying I think it's horrible that the medical system is taxed beyond belief by people basically living in care because of a shitty choice they made, i.e: smoking.
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
so you think the government should have you submit a health examine every 5 years or so and determine how much tax one should pay for his/her coverage? and you trust the government to do the right thing? so If you get allergies/breathing problems because of pollution because of where you live, you should pay more? after all where you live is a choice ...
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
my step mother is a nurse and she told me sense the helmet law kicked in there have been a huge drop
in donner organs and that has resulted in more deaths do to lack of transplants, as morbid as that sounds
it's a fact but after thinking more about it I will probably always wear a helmet in fact for the last year or so I have been thinking about going to a full face helmet rather than the "skid lid" and ball cap underneith it that I wear now, funny that the older I get the more I think about this crap
btw I believe if you pay for insurance "your covered" plane and simple.
Godfather.
fuckin canucks....
If you're calculating premiums based on risk this shouldn't even be an issue.
to be honest with you, I'm not sure how it should work, just sort of thinking out loud. I just think it's crazy that healthy people should have to pay the same amount of tax to support a system that allows all the fat bastards (me) out there smoking 3 packs a day (not me).
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
good idea
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
Ditto here.
Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
you're finally here and I'm a mess................................................... nationwide arena columbus '10
memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
"Hear me, my chiefs!
I am tired; my heart is
sick and sad. From where
the sun stands I will fight
no more forever."
Chief Joseph - Nez Perce
Which policy holders? Certainly not for the ones who take additional precautions. I already can purchase various levels of coverage to suit my needs so why shouldn't I be able to do the same thing in this situation? We reward drivers for their driving records yet in this situation you don't want to differentiate between responsible and irresponsible motorists? Rates are calculated based on accidents and claims so why is it so unreasonable to create two separate pools for motorists who want to use safety devices like helmets and seat belts and those who don't?
Not today Sir, Probably not tomorrow.............................................. bayfront arena st. pete '94
you're finally here and I'm a mess................................................... nationwide arena columbus '10
memories like fingerprints are slowly raising.................................... first niagara center buffalo '13
another man ..... moved by sleight of hand...................................... joe louis arena detroit '14
For sure.
Look what happened to Mookie Blaylock who crossed a median into a headon collision and is now unresponsive, life support.
A collision can happen at any time, no fault of yours or mine. So take your chance if you like, it's your life to wear them or not.
Peace
*MUSIC IS the expression of EMOTION.....and that POLITICS IS merely the DECOY of PERCEPTION*
.....song_Music & Politics....Michael Franti
*The scientists of today think deeply instead of clearly. One must be sane to think clearly, but one can think deeply and be quite INSANE*....Nikola Tesla(a man who shaped our world of electricity with his futuristic inventions)
I'm quite fine in terms of the way the system treats people ... I really don't want the government imposing medical exams to determine what someone should pay ...
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
"Well, you tell him that I don't talk to suckas."
he and I are referring to the current Canadian medical system. there is no medical exam, nothing. if you are alive and Canadian, you get "free" medical care. no questions asked.
you just have to wait in line for 46 hours.
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
They'd have to declare bankruptcy you say?
Tough shit, should have worn a helmet.
Why would another persons premium go up? I don't get what you're saying there and maybe I don't understand how insurance works.
so you say the risk is yours, ending in the possible inflation of costs for everyone, not just the victim, and you say "tough shit, should have worn a helmet"? does me wearing a helmet help me with rising medical costs?
Fargo 2003
Winnipeg 2005
Winnipeg 2011
St. Paul 2014
I see your perspective better as we slowly move towards a more governmental controlled universal healthcare system in the United States.
I was referring to health insurance in Canada. As one who has to buy Home and Auto Insurance I''m not a big fan of insurance companies. I just hope our health coverage never ends up in the hands of insurance companies.
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
That's the problem "everybody pays higher premiums" for the acts of people. Here in Ontario we supposedly pay the highest auto insurance premiums in Canada, and my premiums alone are ridiculous, and we shop around every year. We are told it's because of the high rate of accidents in Ontario ... even though I haven't put in an auto claim in 20 years and that was for 1000 and that was the only auto claim ever ...
"Life Is What Happens To You When Your Busy Making Other Plans" John Lennon
Yeah, wow, that's fucked.
The number of auto accidents in the states has stayed relatively steady over the past 20 years, the number of deaths in all traffic accidents have dropped significantly over the same time...who is paying lower healthcare or transportation insurance rates than they were 10 years ago for the same amount of coverage because of it? Anyone? I would like to know your agent
They won't go down, at least not significantly enough to warrant any sort of celebration... I would settle for staying the same, but that isn't likely either.
My problem with these types of laws is, there is never an end. I know people get sick of slippery slope shit but look at .08 BAC here in the states. For 30 years they tried to get all states to adopt .08 as some sort of marker for drunk/not drunk. Then, a few years after it finally happens and all states are at .08, the NTSB makes a new recommendation of .05. Why? if .08 was good enough 30 years ago, and now it isn't is it because they just arbitrarily picked a number before? Of course someone with .05 is lower than .08, that is the same all the way down, but when all move to .05 over the next 30 years, will then .05 not be low enough?
who knows, I don't think people really need to be saved from themselves, not that people cannot be saved mind you, just that if they aren't interested in saving themselves why should I be?
It is terrifying when you are too stupid to know who is dumb
- Joe Rogan
I don't feel like my freedom is violated by being required to buckle up or wear a helmet on a motorcycle. It makes sense to me. Maybe the law has to do with the health care system in Germany, which seems to be similar to Canada's?
While in Germany no health insurance company ever asked me to do a medical exam to prove my state of health, over here my insurance cost rose when I turned 35 (grrrr way to make that birthday even more "fun") and is also higher because I am a smoker and a woman. I get the fact that I pay more because of my smoking habit, it is my choice. My age and gender are not, but I guess I have to live with that. And I pay for the higher risk I personally choose. I don't like it, but I can see the logic behind it...
With the state of many of the roads and also vehicles and no proper regular vehicle safety check in place, I don't get the issues with wearing a helmet. Get a fancy one, use it as a space to convey your personal messages, it's the "bumper" of the vehicle, and enjoy safe rides
I will have a first aid kit in my car like it is also required in Germany and will try to help in case any of you crashes ...