I wear a helmet when I ride. I've seen the results of no helmet enough to know it's a good thing to wear one. But if someone is willing to sign a legal document stating when their insurance runs out, then treatment stops, I'd be okay with them not wearing one. LIke I said, as long as it doesn't effect me, fine. There are a lot of folks paying insurance who don't wreck. Their premiums are designed to cover the costs of those who do have the wrecks. If treatment was topped off at the insurance amounts and hospitals didn't have to continue treatment when the funds are gone, seems fair to me.
Smart man. My buddy has been trying to convince me to buy one, but I'm too chicken. I don't have the concentration to ride one. But he also just bought a trike, which is pretty cool. I might try one of those one day.
Unfortunately, people don't sign waivers, etc., so all of us taxpayers pay the price.