View Poll Results: If you ride helmetless: how much would you charge to pledge to not use insurance?
nothing: I live by my individuality and don't want my choices affecting others
2
25.00%
$100/month
0
0%
$300/month
0
0%
$500/month
0
0%
I would never take this deal (respond to thread with reasoning)
6
75.00%
Voters: 8. You may not vote on this poll
Cash out of Pocket
12-11-13, 03:35 PM
#1
Senior Member
Thread Starter
Cash out of Pocket
For all the guys who ride helmetless, at least part time...
How much would you charge someone to take a pledge to not use insurance, to pay cash out of pocket, for a head injury sustained while riding a bike helmetless?
See this post of mine:
https://www.bikeforums.net/showthread...1#post16318319
for details of why I am asking this question.
How much would you charge someone to take a pledge to not use insurance, to pay cash out of pocket, for a head injury sustained while riding a bike helmetless?
See this post of mine:
https://www.bikeforums.net/showthread...1#post16318319
for details of why I am asking this question.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 03:46 PM
#2
genec
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I chose to wear or not wear a helmet depending on my perception of the hazards I may face...
So typically when commuting in traffic, I wear a helmet... I cannot foresee nor predict what may happen at any moment when traffic is moving all around me, and whether a helmet is the ideal protection or not, I feel it has the potential to help more than harm.
On the other hand I do not chose to wear a helmet when I am just cruising the boardwalk or the local path... as I often find the traffic to be minimal and thus the hazards are reduced. I also feel that my experience of some 40+ years of cycling give me enough knowledge to adjudicate the hazards in this latter situation.
Please note, my decisions are mine only, and are based on the speed I plan on riding, and the hazards I feel I may encounter.
So typically when commuting in traffic, I wear a helmet... I cannot foresee nor predict what may happen at any moment when traffic is moving all around me, and whether a helmet is the ideal protection or not, I feel it has the potential to help more than harm.
On the other hand I do not chose to wear a helmet when I am just cruising the boardwalk or the local path... as I often find the traffic to be minimal and thus the hazards are reduced. I also feel that my experience of some 40+ years of cycling give me enough knowledge to adjudicate the hazards in this latter situation.
Please note, my decisions are mine only, and are based on the speed I plan on riding, and the hazards I feel I may encounter.
12-11-13, 03:53 PM
#3
Senior Member
Thread Starter
^^^
I am asking if you are willing to sever your choice to wear or not wear a helmet from my healthcare costs. I am not asking for a policy position regarding helmet use! If you are satisfied with your risk tradeoff, will you make the pledge so I am not affected by the accuracy of your calculation?
I am asking if you are willing to sever your choice to wear or not wear a helmet from my healthcare costs. I am not asking for a policy position regarding helmet use! If you are satisfied with your risk tradeoff, will you make the pledge so I am not affected by the accuracy of your calculation?
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:05 PM
#4
incazzare.
I'm not even sure what you're asking. The wording isn't very clear.
__________________
1964 JRJ (Bob Jackson), 1973 Wes Mason, 1974 Raleigh Gran Sport, 1986 Schwinn High Sierra, 2000ish Colian (Colin Laing), 2011 Dick Chafe, 2013 Velo Orange Pass Hunter
1964 JRJ (Bob Jackson), 1973 Wes Mason, 1974 Raleigh Gran Sport, 1986 Schwinn High Sierra, 2000ish Colian (Colin Laing), 2011 Dick Chafe, 2013 Velo Orange Pass Hunter
12-11-13, 04:13 PM
#6
Senior Member
Thread Starter
Alternatively, if you won't make the pledge for free on principle, how much would someone have to pay to you make the pledge?
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:14 PM
#7
Senior Member
Thread Starter
Several times, but that's not the point 
.
.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:22 PM
#8
Senior Member
Thread Starter
This started in the helmet thread. One poster responded to my challenge by saying he'd require fully subsidized healthcare in exchange. I figure, if you truly think the only person affected by wearing a helmet is the individual, then it should be of no consequence to make the pledge. If one refuses to make the pledge, then they are being a little hypocritical; they proclaim their right to choice but deny that it costs anyone else anything. In between is a price. Crowdsourcing what people think that price would be will give an indication of just how much the helmetless riders cost society in dollar terms.
This is so politicized, I mean, one can't even have an exploration of the topic without people popping up requiring a policy position proclamation, I don't expect anyone will take up the pledge. But I want people to think about it. Just what does it mean to proclaim a fundamental right to choose to forgo a generally accepted "best practice". What does that choice entail and what costs are you off-loading to the rest of society?
This is so politicized, I mean, one can't even have an exploration of the topic without people popping up requiring a policy position proclamation, I don't expect anyone will take up the pledge. But I want people to think about it. Just what does it mean to proclaim a fundamental right to choose to forgo a generally accepted "best practice". What does that choice entail and what costs are you off-loading to the rest of society?
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:23 PM
#9
Tortoise Wins by a Hare!
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I want the couch potato's who eat junk food to pledge to not use insurance when they get ill because of their choices. That'll save us lots more than your plan to make helmetless riders pay more.
12-11-13, 04:23 PM
#10
Senior Member
Thread Starter
Topic for a different day.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:24 PM
#11
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In exchange for a waiver of a right or privilege in general, for an arbitrary and meaningless reason such as an imagined increase in the insurance risk pool .... I'd say, one million dollars. Cashiers check please.
Not that it matters to anyone's premium costs, given the small probabilities involved.
Not that it matters to anyone's premium costs, given the small probabilities involved.
12-11-13, 04:27 PM
#12
genec
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^^^
I am asking if you are willing to sever your choice to wear or not wear a helmet from my healthcare costs. I am not asking for a policy position regarding helmet use! If you are satisfied with your risk tradeoff, will you make the pledge so I am not affected by the accuracy of your calculation?
I am asking if you are willing to sever your choice to wear or not wear a helmet from my healthcare costs. I am not asking for a policy position regarding helmet use! If you are satisfied with your risk tradeoff, will you make the pledge so I am not affected by the accuracy of your calculation?
Or to really simplify it, I think my better health from riding means I get to choose when to wear a foam hat.
12-11-13, 04:30 PM
#13
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If the point of this thread is to start trouble and get people in an argument, then you've got it. There is never any good that comes out of hotbed topics like this. You may as well lock it down now.
12-11-13, 04:33 PM
#14
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I see where you are trying to go. I don't think people will bite the bait. I tried something in a similar vein before I gave up on the helmet thread.
I recall some postings a long time ago about some local govt operated ambulance services charging for service for non helmeted riders and not for those wearing a helmet.
I recall some postings a long time ago about some local govt operated ambulance services charging for service for non helmeted riders and not for those wearing a helmet.
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Life is too short not to ride the best bike you have, as much as you can
(looking for Torpado Super light frame/fork or for Raleigh International frame fork 58cm)
Life is too short not to ride the best bike you have, as much as you can
(looking for Torpado Super light frame/fork or for Raleigh International frame fork 58cm)
12-11-13, 04:37 PM
#15
Senior Member
Thread Starter
In exchange for a waiver of a right or privilege in general, for an arbitrary and meaningless reason such as an imagined increase in the insurance risk pool .... I'd say, one million dollars. Cashiers check please.
Not that it matters to anyone's premium costs, given the small probabilities involved.
Not that it matters to anyone's premium costs, given the small probabilities involved.
I put up some numbers in the other thread. A high-side crash (say, a front wheel sweep), of the type that generally ends with the cyclist hitting head first on the ground from about six feet up, might incur a $4000 ER visit if you manage this with a helmet (I've done this a couple times before and have seen the bill), and perhaps increasing to $100k if you add an ambulance, a couple days in a bed and the specialist doctors to treat and recover from a major head trauma. Over 24 years, this is a $350/mo cost to your insurance; the helmeted alternative being only $14/mo distributed over the same time period for the same crash.
Now, you suggest the probabilities are small. If they are small to you, why would you would demand a million dollars to keep that potential cost from society? You have the right to put this potential cost burden on society and you would demand such a high price to give up that right? Are your principles so malleable?
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:39 PM
#16
Senior Member
Thread Starter
No. Because I think the choice to ride a bike makes me less dependent on health care than those that chose to never exercise. In other words I am trading my choice to wear a helmet or not as a risk to healthcare as an offset by the lowered risk of bad health from exercise.
Or to really simplify it, I think my better health from riding means I get to choose when to wear a foam hat.
Or to really simplify it, I think my better health from riding means I get to choose when to wear a foam hat.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:40 PM
#17
Senior Member
Thread Starter
If people want to get into an argument, that is up to them.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:45 PM
#18
Senior Member
Thread Starter
Now that is a bold statement. I'm curious if you can put an actual price on this kind of reasoning.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 04:53 PM
#19
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Fact is that if you want to ride with or without a helmet is your business. No one is going to come to my door when an non-helmeted rider gets injured asking for medical money.
12-11-13, 05:26 PM
#20
Senior Member
This started in the helmet thread. One poster responded to my challenge by saying he'd require fully subsidized healthcare in exchange. I figure, if you truly think the only person affected by wearing a helmet is the individual, then it should be of no consequence to make the pledge. If one refuses to make the pledge, then they are being a little hypocritical; they proclaim their right to choice but deny that it costs anyone else anything. In between is a price. Crowdsourcing what people think that price would be will give an indication of just how much the helmetless riders cost society in dollar terms.
This is so politicized, I mean, one can't even have an exploration of the topic without people popping up requiring a policy position proclamation, I don't expect anyone will take up the pledge. But I want people to think about it. Just what does it mean to proclaim a fundamental right to choose to forgo a generally accepted "best practice". What does that choice entail and what costs are you off-loading to the rest of society?
This is so politicized, I mean, one can't even have an exploration of the topic without people popping up requiring a policy position proclamation, I don't expect anyone will take up the pledge. But I want people to think about it. Just what does it mean to proclaim a fundamental right to choose to forgo a generally accepted "best practice". What does that choice entail and what costs are you off-loading to the rest of society?
Again, low hanging fruit. People do plenty of stupid things which put them in the hospital, and which cost you more than all the head injured non-helmet wearing cyclists. Unsure why you'd pick on cyclists in this manner when there are activities you subsidize through healthcare costs at a much, much higher rate.
Tell you what: I'll pledge to pay costs out of pocket if I crash without a helmet if you pledge to pay costs out of pocket if you crash with one.
12-11-13, 05:42 PM
#21
Senior Member
Thread Starter
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 05:44 PM
#22
Speechless
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Brian,
In the Road Forum "Should I ride in a pace line?" thread, you have several posts commenting that all of your crashes involving a head injury involved racing. Your first post in that thread was about the risk taking nature of racing, which is why you participate. In your third post, you specifically say that you cannot recall your last accident that did not involve racing or fast pace line riding. I am not linking them directly because 1) that seems snotty and 2) it is a pain on this device.
I mention these posts because I do not race, and am therefore subsidizing through my health insurance your increased health costs from racing. Thank you for mitigating these costs from $100k to $4k, but they would be zero to me if you pledged to not use insurance for your intentional race injuries. It is a simple matter of principle (and principal).
In the Road Forum "Should I ride in a pace line?" thread, you have several posts commenting that all of your crashes involving a head injury involved racing. Your first post in that thread was about the risk taking nature of racing, which is why you participate. In your third post, you specifically say that you cannot recall your last accident that did not involve racing or fast pace line riding. I am not linking them directly because 1) that seems snotty and 2) it is a pain on this device.
I mention these posts because I do not race, and am therefore subsidizing through my health insurance your increased health costs from racing. Thank you for mitigating these costs from $100k to $4k, but they would be zero to me if you pledged to not use insurance for your intentional race injuries. It is a simple matter of principle (and principal).
12-11-13, 05:45 PM
#23
Senior Member
Thread Starter
Interesting. So per my previous computation, you'd set the price at $14/mo.
__________________
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
Cat 2 Track, Cat 3 Road.
"If you’re new enough [to racing] that you would ask such question, then i would hazard a guess that if you just made up a workout that sounded hard to do, and did it, you’d probably get faster." --the tiniest sprinter
12-11-13, 05:45 PM
#24
Cycle Year Round
See the link. I want the pro-choice people to stand up for their principles. A hospital stay, paid for through insurance, affects my insurance premium. If one truly believes the choice to wear a helmet or not affects only them, I merely want them to pledge to pay cash for any medical treatment necessary for a head injury sustained while cycling helmetless. Rather than whipping out that insurance card and affecting my premium.
Alternatively, if you won't make the pledge for free on principle, how much would someone have to pay to you make the pledge?
Alternatively, if you won't make the pledge for free on principle, how much would someone have to pay to you make the pledge?
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Land of the Free, Because of the Brave.
Land of the Free, Because of the Brave.
12-11-13, 05:47 PM
#25
genec
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The problem is you want to associate a perceived health threat with a cash amount... while also not giving me a cash break for pursuing a healthy lifestyle... so now we have to look at all the contributing factors to good health... weight, diet, gun ownership, seat belts, exercise, recreation activities and so on... why should I be "punished" for not wearing a helmet when the fat guy in the corner can't even walk up the stairs?