I (rightly) assumed you didn't give a damn about my insurance rate. I also assumed that the chief concern regarding this post is how other's insurance rates are negatively impacted by head-injury related fatalities of helmetless motorcycle riders. Correct me if I am wrong, but isn't that the core point of the posted article?
You may, however, find it interesting that MY insurance rate for the coverage on my Harley Davidson is one-third the cost of my insurance for my Chevy Van, in spite of the fact that my HD is worth three times as much AND the HD policy carries TEN TIMES the amount of liability and medical coverage.
My insurance agent "gets it". Do you?