Joined: Jun 2002
Posts: 855
Likes: 0
From: Hamilton, Ottawa, Maberly, Apsley, Ontario
Bikes: 1985 Nishiki International Touring Bike, 1992 Vitus 979 road bike, 1996 Bianchi Premio road bike, 2002 Thin Blue LIne CO2 mountain bike, 2007 Rocky Mountain Sherpa touring bike, 1964 CCM roadster, 1959 CCM Motorbike, 2002 KHS FXT mtb + more to fix!
The real responsible, intelligent thing to do would be to get a sizeable disability insurance policy as well. Unfortunately, head injuries are not black (bash your head and it's over) and white (slight bash, no injuries). There is a vast gray area of head injury disability ranging from slight memory loss to vegetative state.
I hope wearing a helmet reduces my chances of injury of any kind.