James Rapp: Cyclist’s coverage could change

April 8, 2013 

Cyclist’s coverage change

My hats off to the recent letter writers and other clear thinkers for speaking out against changing the legal requirement to wear a motorcycle helmet.

I’ve been a biker for over 15 years and have had a few dents in my helmet that prevented a trip to the hospital. I don’t buy the argument that it should be a matter of choice any more than wearing a seat belt in a car should be a matter of choice.

As the April 1 letter “More insurance needed” pointed out, the insurance requirement (at least $10,000 in medical coverage) is ludicrous and my guess is that insurance costs will rise for all bikers if we become a helmetless state.

Some major med providers already exclude motorcycle riding as part of their coverage. It’s naive to think that, along with higher rates, we won’t see more attempts to exclude coverage for motorcycling especially if helmets are not required.

James Rapp

Raleigh

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