Why Education Is Needed
As Senate Bill 24-065 (Mobile Electronic Devices & Motor Vehicle Driving) was coming up for its initial Colorado House hearing recently I was wondering–as I mentioned previously–if there would be opposition as there was two years ago claiming that it would be unfair to fine poor people who violated the law.
Now if this guy’s insurance company said they weren’t going to cover him I could understand that a bit more.
The situation 25 or so years ago had to do with insurance and wearing helmets. Specifically, there were health insurance companies that were writing policies that said if you were injured in a motorcycle crash and you were not wearing a helmet they would deny your claim. Does that still happen or were laws passed forbidding that? I’m not sure but I suspect it is no longer an issue because it’s been a long time since I’ve heard it mentioned.
So anyway, my family was gathered at some point and this whole thing came up and my father offered his opinion that he saw nothing wrong with that policy. After all, people should wear helmets and why should the insurance companies pay if they refuse to protect themselves?
I nearly exploded. This is the gist of what I told him.
OK, let’s say I’m legally riding my motorcycle without a helmet. I’m obeying the speed limit and all the traffic laws and I have a motorcycle endorsement on my drivers license. Then I get hit but a guy who a) is speeding, b) runs a red light, c) does not have a license because he lost it due to DUIs, and d) is drunk. He veers off and hits a telephone pole and is also injured.
So everything I have done is 100 percent legal, while everything he has done is 100 percent illegal. Oh, and by the way, while I am badly injured, I have not sustained any head injuries, despite not wearing a helmet.
After all this, my insurance company says it will not cover my medical expenses because I was not wearing a helmet (legally!) but his insurance company will cover his medical expenses.
Are you telling me that is somehow fair and appropriate? Really?? Are you telling me this makes any sense at all??
OK, my Dad was a rational guy and he acknowledged the error of his thinking once I educated him on the matter. And that’s my whole point. There are plenty of people out there who favor or oppose policies we might know are respectively bad or good simply because they are not personally connected to the issue and have not given it more than cursory consideration. But once they are presented with more facts, a deeper understanding, they see the error of their thinking.
That’s what the motorcycling community has to do, continually. That’s what organization such as the American Motorcyclist Association, the various state ABATEs, the Motorcycle Riders Foundation, and others work to do constantly. And it’s what each of us needs to do when talking with non-riding friends and family members. We need to educate them. I mean this was my own father and he thought it made sense to deny his son coverage until I educated him.
Let’s all be educators.
Biker Quote for Today
Every ride is a tiny holiday.
