- Sep 5, 2017
- Reaction score
It is not only the rider that bears the cost of a catastrophic brain injury; it is the family.Helmet laws are laws, Sikh motor cycle community are aware of the risk they take by not wearing a helmet and had stated earlier that they are willing to accept the risks and financial consequences when getting injured in an accident. They have now been exempted and I am sure anyone who thinks they want to be exempted from seatbelt or helmet laws can do so and I am sure if they are willing to accept the financial consequences due to the fact their religion forbids them to wear safety gear..... let them. Which includes hospitalization, physio, etc.. etc.. cause ya know the lord will protect and provide!
How will it affect the insurance premiums of the rest of the riding community should this result in increased payouts? Any industry attempt to surcharge someone based on a religious compliance would likely run into trouble. It may be private industry but it is regulated by the state which would likely trigger a Charter argument. I can foresee more insurance companies getting out of the motorcycle business.
There are several US states that have helmet exemptions. In some cases, you can be exempt if you carry a certain level of personal liability insurance. I can't recall the amount of the State I was in but it was laughable low, particularly considering US medical costs for services involved in long-term brain injury.