In the next few months the Tennessee Assembly and Governon will be deciding whether or not to repeal Tennessee's motorcycle law. It is not government’s responsibility to stop citizens from acting stupidly, just those acts that affect others. In situations covered by Tennessee's Motorcycle Law, insurance companies have absolute control. All they have to do is to insert “riders” in their policies. How about these:
- Driving or riding a motorcycle, without a helmet, voids medical and/or life insurance coverage.
- DUI or riding with a driver determined by the police to have been DUI voids medical and/or life insurance coverage for driver and passengers.
- Driving or riding without using a seat-belt voids medical and/or life insurance coverage.
- If an illness is determined to have been caused by smoking, medical and/or life insurance coverage is voided.
See how easy it could be. The problem is insurance companies are profiting by passing their costs along to the rest of us as they continue to enable the violaters. Insurance companies should be prohibited from passing along costs they incur covering illegal activities and activities determined by the medical community to be hazardous to the health of the offending individual as well as the health of others.
As is common we all are paying for the stupidity of others and/or for their illegal activities. How about we stop that?
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