Ridecamp: Re: [RC] Helmets (long response)

In a message dated 8/25/2002 9:19:26 AM Pacific Daylight Time, Go Tory writes:

<< On the other hand, Scott, with one of our riding buddies still in a coma 5 
days after taking a fall and sustaining a severe head injury- WITHOUT a 
helmet- I can't help wondering how much higher insurance premiums might have 
gone had these laws not been in effect..........knowing that my input will 
not affect  your decision........ nikki >>

Everyone seems to know someone in a comma.  God, this sport is too dangerous! 
 :o)  Seriously, has there EVER been ANY safety precaution taken with regard 
to ANYTHING that made insurance premiums go DOWN?  More simply put, have they 
EVER gone down?  And speculation on how much higher they might have gone is 
ludicrous.  Now, I have counted 34 people stated to be in commas or other 
vegetative states just  in this past few days of discussion........which 
leads me to believe all of this anecdotal evidence is rather sketchy.  I've 
been around horses for quite a long time.  Never knew ANYONE who wore a 
helmet until recently as I've gotten into the endurance world, and never knew 
ANYONE with a serious head injury, let alone becoming comatose!  Could it be 
that a previous post was right........better riders (and I am not necessarily 
claiming to be one) have less need of a helmet?  But back to the insurance 
issue - to claim that my riding without a helmet is increasing your premiums 
with not a shred of evidence to back up the claim says to me that it is a 
specious argument postulated because there is no other way you can try to 
foist your opinions on me and persuade me to behave as you do!  :o)  Sorry, 
that is just the way I see it.  Like your helmet?  Ride in it!  I won't make 
up stories about famous movie stars who are now quadriplegic after a fall 
with a helmet on and how, if it were me, I would've rather not had the helmet 
on, crushed my skull, and been done with it.............  

Scott

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