when does it become your business?

[Kerry_129]

Originally Posted by wildchild

Does anyone here really think your rates would go down if everyone had insurance? actually your rates would probably go up. it would mean more payouts by the companies. The payouts far outweigh the rates of a few slackers who currently don't have ins.

I think you're kidding yourself. My under/un-insured coverage is about twice what liability-only costs me. Meaning I would pay three times what I currently pay, just to cover other peoples' lack of responsibility. I have health ins. & paid-in-cash bikes without an accident claim in over a decade, so I'm taking that gamble rather than pay several hundred extra dollars a year.

I bet a big factor in the high u/ins. rates is that many of the people running around without ins. are also the douches that drive drunk.