Replies

Mandatory insurance forces people to share risks. Since the risk is shared, some people then take on greater risks because they don't have to bear the entire cost of their risky own behavior. For some reason insurance companies are not real impressed with risk takers.

Those of us in the non-motorcycle community call guys who do 80 in a 25 mph zone assholes regardless of their ride.

No, mandatory insurance laws force people to buy a commodity from organizations that have to spend millions to hire shady lobbyists who persuade Congressional crooks to pass laws to make the public buy their shitty products.

Those same organizations have long and storied histories of denying claims and screwing their policyholders when it came time to pay a claim. It's really just a big Ponzi scheme. You're betting your insurance company that they won't have to pay a claim. Just like in Vegas, the house always wins.

So, how do you feel about being "forced to share risks"?

If you really believe that mandatory insurance is about us "all sharing the risk", you either work for them, or you're naive. It's about them protecting themselves from the next most predatory entities in America: Lawyers and the idiots who will sue for anything.

Do you really like being told by the government what to buy?
Oh, BTW, I'm not condoning someone riding a motorcycle (or driving a car) irresponsibly. Responsible people don't drive any vehicle on a 25 MPH road at 80. I was objecting to the obviously biased comment from an insurance hack against anyone who rides a motorcycle. I've ridden every kind of motorcycle made for over 35 years, and I can't count the number of close calls I've had from lousy drivers.

Do I condemn all drivers? No. In fact, the odds are good that most of the idiots who've nearly killed me are probably considered "safe drivers" (and by extension, acceptable risks) by their insurance companies.

Little comfort when they kill someone, and then walk away saying "Honest, Officer. I didn't even see the motorcycle" with their cell phone still stuck to their ear. I could elaborate on why a number of reasons why auto drivers don't typically see motorcyclists very well, but that's probably too much detail, and I've got work to do.