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Old 03-30-2013, 02:31 AM   #211
fallingoff
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Quote:
Originally Posted by fallingoff View Post
tongue in cheek

why then does the us stick its nose in all the other countries of the world

hypocrite/ lol

free to say what you like

just not about the us

most of things I have to say

I normally run past a us citizen first

cheers
that was tongue in cheek

I have utmost respect for your troops os

just watching tv us marines handing over to afgan police

very sad all that effort by ur and our troops

afgan police- molesting kids/kidnapping/green on blue attacks/corruption-selling their weapons to Taliban

etc, etc

shooting at civilians

marines standing by with their hands tyed

the british tamed the area

all for nothing

very sad/frustrating
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Old 03-30-2013, 05:22 AM   #212
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Never confuse the US Government with a US citizen....they are not the same...

I agree the US Gov medals to much in others affairs....but they never seem to mind when we send them a big check.
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Old 03-30-2013, 07:27 AM   #213
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Originally Posted by Offcamber View Post
To me its irrelevant if it costs the insurance company more...if the insurance company wants to charge an individual more or less due to the fact they were a helmet or not is fine with me. You tell them you wear one and get into an accident without one on expect them not to pay....Very simple...Before 49 states instituted (blackmailed into passing) the seat belt law insurance companies did just that...they gave you a discount for wearing it (at least mine did).

So the money issue is whether it costs the States more money and that has been shown to be insignificant.
Moral Hazard would still apply. Insurance says: I'm not paying, he was not wearing a helmet. But the expenses do not disappear because insurance does not pay. Someone will still have to pay, as hospitals and doctors are not charity organizations. You and I will pay one way or the other.
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Old 03-30-2013, 10:30 AM   #214
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Quote:
Originally Posted by Lion BR View Post
Moral Hazard would still apply. Insurance says: I'm not paying, he was not wearing a helmet. But the expenses do not disappear because insurance does not pay. Someone will still have to pay, as hospitals and doctors are not charity organizations. You and I will pay one way or the other.
where is the morality when parents send their snot nosed kids to school when they are sick

the gore of a helmetless motorcycle accident victim is an easy target, but he's not the problem causing excess public health care costs

here we are attacking motorcyclists that have to crash first before they cost the public, while its ok to perpetuate illness that is already costing the puublic
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Old 03-30-2013, 02:19 PM   #215
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Originally Posted by randyo View Post
where is the morality when parents send their snot nosed kids to school when they are sick

the gore of a helmetless motorcycle accident victim is an easy target, but he's not the problem causing excess public health care costs

here we are attacking motorcyclists that have to crash first before they cost the public, while its ok to perpetuate illness that is already costing the puublic
Please read the explanation of what moral hazard means (a few posts back). Moral means "subjective" for this term. It certainly is an ethical issue, though. But nobody is attacking anyone here, well I am not. And nobody is extrapolating this to health care costs, or I am not. What I am saying is that when someone has medical expenses, someone is going to pay for it, be it him/herself or somebody else. Moral hazard occurs when risk takers infringe into others the consequences of their higher risk actions. Without a helmet, consequences of accidents are likely to be more severe, the related expenses are, according to statistics, likely to be higher. That is all. If you are a careful rider, your historical data and your indicators of risk are good, you pay less insurance, but you still pay more than you should, because it is us, if we are safe riders, and not the insurance companies who pays the bill for higher risk takers at the end. Overall, motorcycling is a higher risk activity than driving, under normal conditions for both. All extrapolations from my posts to the problems related to health care costs are yours.
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Lion BR screwed with this post 03-30-2013 at 02:33 PM
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Old 03-30-2013, 03:30 PM   #216
fallingoff
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Originally Posted by Offcamber View Post
Never confuse the US Government with a US citizen....they are not the same...

I agree the US Gov medals to much in others affairs....but they never seem to mind when we send them a big check.
I have to disagree

you are a democracy

public opinion

caused the withdrawal from Vietnam

at the moment the gay marriage

about once every generation

the us has become involved in a war that can not be won/

this statement was made by a us historian

we do the same

I don't always agree with our foreign policy either

it shows the 'doing the right thing''

as a whole, from looking from the outside

I think that the us govt is a fractured mirror of the us citizen

I don't think that is a bad thing.

now back t o the siily economist

explaining the helmet issue through insurance companies

now they are the devil( insurance companies/economists/accountants) lol

cheers
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Old 03-30-2013, 03:48 PM   #217
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I have to disagree

you are a democracy
The United States of America in not a democracy, it is a Constitutional Republic, governed my representatives that are elected by a limited democratic process
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Old 03-30-2013, 04:42 PM   #218
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Originally Posted by fallingoff View Post
and you sepos don;t want a national health scheme

would solve a lot of your problems

yeh i know you will call me a socialist

but isn;t it societies morale responsibility to help those more unfortunate

ie, riders with head injuries

who cares if they wore a helmet or not

cheers
And here I thought Quebec was the only province/territory where English was a foregin language.
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Old 03-30-2013, 08:00 PM   #219
fallingoff
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The United States of America in not a democracy, it is a Constitutional Republic, governed my representatives that are elected by a limited democratic process
close enough

splitting hairs

no true democracy

always some gerrymandering

ie 1 vote does not always equal anothers
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Old 03-30-2013, 08:05 PM   #220
fallingoff
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And here I thought Quebec was the only province/territory where English was a foregin language.
\\ducy duky dukey

ducky

berkley

new home of language

you speke amercan

I spock klongon

nice housesz their

just watch the ridge tops

brush fires

nice high school

half the uni blds not quock safe

most amercans fr berkley are diff fr th rst

cheers
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Old 03-30-2013, 11:03 PM   #221
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Originally Posted by fallingoff View Post
close enough

splitting hairs

no true democracy

always some gerrymandering

ie 1 vote does not always equal anothers
the hair that your come all come one claim was attached to

Quote:
[Art.] 10. [Right of Revolution.] Government being instituted for the common benefit, protection, and security, of the whole community, and not for the private interest or emolument of any one man, family, or class of men; therefore, whenever the ends of government are perverted, and public liberty manifestly endangered, and all other means of redress are ineffectual, the people may, and of right ought to reform the old, or establish a new government. The doctrine of nonresistance against arbitrary power, and oppression, is absurd, slavish, and destructive of the good and happiness of mankind
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Old 03-31-2013, 02:48 AM   #222
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the hair that your come all come one claim was attached to
[Art.] 10. [Right of Revolution.] Government being instituted for the common benefit, protection, and security, of the whole community, and not for the private interest or emolument of any one man, family, or class of men; therefore, whenever the ends of government are perverted, and public liberty manifestly endangered, and all other means of redress are ineffectual, the people may, and of right ought to reform the old, or establish a new government. The doctrine of nonresistance against arbitrary power, and oppression, is absurd, slavish, and destructive of the good and happiness of mankind


worked for the Indians against the English

did not work for the budist's suicides against the Vietnam war
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Old 03-31-2013, 01:54 PM   #223
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I am from the uk so all way wear a full face helmet and will always do even if I got to the USA on holiday as I know if I were to crash I don't wont road rash on my face or my head to brake on impact. If I don't wear a helmet and the cops see me it's only a 50 fine and don't being able to ride the bike til you get a helmet to wear.
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Old 03-31-2013, 08:02 PM   #224
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Originally Posted by Offcamber View Post
If every State in the Union passed a helmet law, full gear law, training law etc etc....does anyone actually believe your insurance rates would go down??? Not gonna happen..because you're still paying for every idiot that drives a car, truck or motorcycle and wrecks. Even if you weren't, the insurance companies would just pocket the money.

How many agree with dictator I mean Mayor Bloomberg on limiting the size soda/pop you can sell?? It's for the greater good right??

In Michigan the MCCA fee would, in fact, go down, as that fee is directly based on the amount of money the fund has paid out to the victims of catastrophic accidents.

And yes, I do. Perhaps not all at once or even immediately.
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