its called a "risk pool" - and yes, if you can afford the "go fast" jap bikes, you can afford the premiums to subsidize the health care the rest of us have to pay in higher premiums all because of some misplaced masculinity issues.
...and if the Ins Co wants to "discriminate" on that basis, so be it - they are a private company.
Capitalism allows you to shop around for a vendor that ultimately offers what you want for what the market will bear.
Put a helmet on, pound salt and stop whining that we pay for your 'right" to a road rash
Claim: Injured motorcyclists are uninsured and rely upon the public to pay for their injuries.
Fact: Motorcyclists are just as likely to be privately insured as any other road user.
A Harborview Medical Center study reported 63.4% of the injured motorcyclists in the trauma center relied on public funds to pay their hospital bills. However, according to testimony by David Gitch, director of the trauma center, 67% of the general patient population also relied on public dollars to pay their hospital bills in the same time period.
A study by the University of North Carolina's Highway Safety Research Center reported that 49.5% of injured motorcyclists had their medical costs covered by insurance, while 50.4% of the other road trauma victims were similarly insured.
Claim: The costs associated with unhelmeted motorcyclist injuries and fatalities compel the enactment of mandatory helmet laws to save taxpayer dollars.
Fact: The costs associated with the treatment of motorcyclist injuries account for less than 0.001% of total US health care costs. Only a portion of these costs are attributable to unhelmeted motorcyclists, the majority of which are paid by privately-purchased insurance. The remainder, spread across the taxpayer base (which includes millions of motorcyclists), becomes insignificant.
Approximately 1.16% of total US health care costs are attributable to motor vehicle accidents. Motorcycles represented only 0.53% of the accident-involved vehicles nationwide in 1999.
Claim: Mandatory helmet laws are the most effective way to reduce motorcyclist injuries and fatalities.
Fact: The most effective way to reduce motorcyclist injuries and fatalities is to prevent accidents from occurring in the first place. Helmets and helmet laws do little to prevent accidents.
Between 1990 and 1999, the fatality rate for motorcyclists per 100 million vehicle miles traveled declined nearly 23% even though total vehicle miles traveled has increased 11%.
Two out of three motorcycle related multi-vehicle crashes are caused by the driver of another vehicle. The most common accident involves an automobile failing to yield the right of way to the motorcyclist.
Claim: States with mandatory helmet laws experience fewer motorcycle injuries and fatalities.
Fact: A study by the Centers for Disease Control (CDC) conducted during a seven-year period from 1987 through 1993 found that states with no helmet laws or partial helmet laws (for riders under 21) suffered fewer deaths (2.89) per 100 accidents than those states with full helmet laws (2.93 deaths).