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The Dangerous Activity Clause

Old 07-18-02, 04:49 AM
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Bikes-N-Drums
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The Dangerous Activity Clause

My fabulous insurance plan offered through my job stipulates that any injuries resulting from the willful participation in any dangerous activities excludes claimant from insurance benefits relative to those injuries. It specifically lists the activities of bunjee-jumping and skydiving.
My boss, upon hearing I had wrecked my bike recently, had contemplated lobbying for CYCLING to be added to this list of 'dangerous activities', since he thinks it's insanely idiotic for a full-grown man to ride a BICYCLE of all things....and IN THE STREET no less. He's always sure to add, 'don't we pay you enough for a car?'. I didn't even see a doctor! I can't believe a guy with this mindset is in charge of something.
He's an avid hunter, so I reminded him to be sure not to have any accidents with the old rifle.
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Old 07-18-02, 05:09 AM
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Originally posted by Bikes-N-Drums
He's always sure to add, 'don't we pay you enough for a car?'.
You could, of course, tell him that he doesn't, and that you really need more money from them.
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Old 07-18-02, 10:38 AM
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Originally posted by Bikes-N-Drums
My boss, upon hearing I had wrecked my bike recently, had contemplated lobbying for CYCLING to be added to this list of 'dangerous activities', since he thinks it's insanely idiotic for a full-grown man to ride a BICYCLE of all things....and IN THE STREET no less. He's always sure to add, 'don't we pay you enough for a car?'. I didn't even see a doctor! I can't believe a guy with this mindset is in charge of something.
He's an avid hunter, so I reminded him to be sure not to have any accidents with the old rifle.
1) He has no more business questioning your choice of transportation methods than he has touching a female employee in a personal fashion.
2) Motorcycling is statistically about 30 times more likely to result in death than is bicycling. Is motorcycling on the "dangerous activities" list?
3) Hunting is statistically safer than bicycling. (Sorry!)
4) Does your boss actually have any power whatsoever over the insurance company's choice of "dangerous activities?" I seriously doubt he has any influence whatsoever in that arena.

I used to get harrassed for riding my bike (from my boss.) It was subtle, like, "You are probably getting sick from riding your bike too much," after I took a few sick days once. Of course, I have been sick much less since taking up riding. Bosses have lots of power, but morally, they have more responsibility to avoid harrassing employees.
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Old 07-18-02, 10:52 AM
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Originally posted by Bikes-N-Drums
My fabulous insurance plan offered through my job stipulates that any injuries resulting from the willful participation in any dangerous activities excludes claimant from insurance benefits relative to those injuries. It specifically lists the activities of bunjee-jumping and skydiving.
Insurance companies are obsessed with statistics (and profits.) They know the stats on bicycling as compared with skydiving. But, Bikes-N-Drums, maybe you need those stats so you can rest more easily:

www.kenkifer.com/bikepages/health/risks.htm

See, "The Fatality Rate for Cyclists" about halfway down the page.

Hang in there, Man!
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Old 07-18-02, 01:25 PM
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You can always suggest him to use the rifle on him self

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Old 07-18-02, 01:32 PM
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Insurance companies are obsessed with statistics (and profits.) They know the stats on bicycling as compared with skydiving. But, Bikes-N-Drums, maybe you need those stats so you can rest more easily:
After reading how dangerous "living" is, I decided to stop taking part in that activity.
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Old 07-18-02, 09:22 PM
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Originally posted by sscyco
After reading how dangerous "living" is, I decided to stop taking part in that activity.
I read that most fatal accidents actually happen inside the home. I think I'll give up all of my possessions now and go and live on the street.
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Old 07-18-02, 09:26 PM
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Originally posted by Chris L


I read that most fatal accidents actually happen inside the home. I think I'll give up all of my possessions now and go and live on the street.
Reminds me of the old joke that 90% of accidents happen within a mile of home. SO MOVE HOUSE.

Or - statistics show that a person is run down by a car every 2.3 hours. Someone should keep that guy away from the road.
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Old 07-19-02, 07:29 AM
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Originally posted by MediaCreations
Reminds me of the old joke that 90% of accidents happen within a mile of home. SO MOVE HOUSE.
Something interesting about this statistic: if you moved your house, the accident rate would not change. Gee, it must be something else...guess what--maybe it's the person living there!

Remember, everywhere you go, there you are!



Just a little humor on this subject:

http://www.bikeforums.net/showthread...5373#post85373

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Last edited by LittleBigMan; 07-19-02 at 07:33 AM.
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Old 07-21-02, 07:58 PM
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The insurance provider for my work, has implemented a health awareness program where they access your health,through medical screening including various tests, to show you how fit you are. They then proceed to give pointers on how to improve your health. In the suggested exercise part of the program. the top two choices are walking and bicycling.
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Old 07-21-02, 08:14 PM
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Originally posted by phoenyix
The insurance provider for my work...proceed to give pointers on how to improve your health. In the suggested exercise part of the program. the top two choices are walking and bicycling.
Yes, perhaps Bikes-N-Drums' supervisor will be the one to fail the
health-test and be denied benefits!

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Old 07-21-02, 09:00 PM
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Muwahaha, my boss rides a Campy-equipped steel Marin Nice to be appreciated around the office... (now, if they would just make me a FT employee so I could get on the company insurance plan... )
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