chris_1127 wrote:weird and very flawed argument jonnyb - you seem to be suggesting that a helmet will not only stop an accident from happening - i would love to know how - and also that the costs and inconvenience occurred in the aftermath will be lessened. whats the reasoning behind that? Surely if you go by the "helmets save lives" theory then someone suffering brain injury from an impact wearing a crash helmet requiring intensive medical care and potentially years of rehabilitation are likely to incur far greater costs than someone killed in an impact because they weren't wearing a lid?
if you want to look at risk-based healthcare cover then boozers, smokers, adventure sports fans, motorsports participants, boxers etc should surely all fall under similar rules, thats a whole big can of worms to open isnt it?
edit sorry forgot to add not being arsey or argumentative, just interested in the reasoning..
Not suggesting a helmet would stop an accident from happening and not sure i was either, how could it and where can i get one

, what i am suggesting is that not wearing a helmet and going under a car,van or coming off on a bend and hitting a hedge, wall or whatever, there is a far bigger chance you will suffer a head injury and need the attention of the emergency services. You might get lucky but the chances aren't good. I back this up with two examples, one a bike filtering up torquay road, a bus stopped to let my m8 out in his car,my m8 and the biker didnt see each other because of the bus and the biker went over his bonnet, his helmet made a big dent in my m8's bonnet but the biker was fine, a bit shaken but was well enough for my m8 to give him a lift home and we stored his bike at work till he got it picked up. The second example was me years ago, going round a bend in winter, back end slid out and down i went, bounced up the kerb and along a dry stonwall, my helmet suffered bad gouges and was useless after that. Had i been helmetless, it would have been my head with the gouges, however in both these examples both of us walked away without damage or the need for the emergency services or additional care and that was my point, with a helmet there is a chance you will walk away but without one the chance is pretty much non existent and even if there was some head injury surely the damage would be less than without one and therefore the cost for rehabilitation would be less, of course there is allways an exception to this but in most cases i reckon my thinking is about right and not flawed or remotely weird.
As for the costs incurred with long term care against instant death, the difference is that the person with the helmet has done everything possible to minimise the risk and therefore in my view entitled to whatever care is necessary to give him or her some quality of life. The risk based healthcare arguement is allready in existance and has been for a very long time in personal insurance policies, if you are a bigger risk then you pay a bigger price for the same cover, ask a smoker who wants critical illness cover on his mortgage he will pay up to 65% more than a non smoker and i bet Lewis Hamilton pays more for life insurance than say myself due to his lifestyle, so it wouldnt be unreasonable to expect someone who wants to increase the risk of them having a bad head injury to pay more for the privilige surely.
Lastly though, i am not the sort of person who would want to tell anyone how to live their lives but i would get the right hump if i had to start stumping up extra money in the form of tax or national insurance contributions to pay for extra healthcare for someone who decided to live their life the way they wanted and entered a persistent vegitative state because of it. Just my thoughts.......
