Motorcycling is "bad public policy"

“Any public policy that encourages anyone to get on a motorcycle is bad public policy. The problem is that the vehicle is inherently dangerous.”

So says Dr. Jay Falk with the Florida College of Emergency Physicians and academic chairman of emergency medicine for Orlando Regional Medical Center. The quote is from an article about Florida’s lack of a mandatory motorcycle insurance law. (Washington and Florida are the only two states that do not require motorcyclists to carry insurance.)

The thrust of the article is that by not requiring insurance, Florida makes motorcycle ownership more attractive to young riders, specifically teens, who then crash and die. To bolster the argument they offer the following examples:

Last weekend, three Palm Bay teens died when two uninsured motorcycles carrying them crashed into each other at high speed. And late Monday, a 23-year-old, uninsured Kissimmee man died when he crashed a Honda motorcycle while passing three cars in a no-passing zone.

Sorry, but a 23-year-old man is not a teen; nor I suspect would a law requiring him to carry insurance have necessarily kept him off a bike or kept him from violating traffic laws.

But wait, there’s more; referring to crash involving the three Palm Bay teens:

In last weekend’s triple fatality in Palm Bay, two 19-year-old men — one with a passenger celebrating her 17th birthday — were riding without insurance or motorcycle licenses. They crashed into each other going at least 80 mph on a residential street, police said.

So not only did they not have insurance, they did not have motorcycle LICENSES. The deaths are tragic, certainly. But please, someone explain to me how a law requiring these riders to have insurance would have prevented these deaths? The lack of a legally-required license did not stop them; why would lack of legally-required insurance?

Quoting from the same article:

Older riders tend to be more cautious and carry insurance, police say, but still crash and die routinely.

Huh, so the older riders that have insurance crash and die too? Interesting…

8 Comments

Typical academic. I personally think there should be mandatory insurance for the other people’s benefit. That said, a teen is still a teen, with or without insurance.

That they relate riding like a jack-ass to being uninsured is silly. The whole article is disjointed and seemed forced. Kind of like agenda-forced.

I could go down the path of “guns don’t kill people, people kill people” and exchange the word “guns” with “motorcycles”, but that would be too easy.  We live in a society where self-responsibility is…well…someone else’s responsibility.  Sad.

Comment by angrybob | January 10th, 2007 9:54 pm | Permalink

I live in Florida, and here is what I see.
Florida is a sort of “No Fault” state. You are required to Insure yourself with PIP, Personaly Injury Protection, in a car.
Some people, teens included, see the insurance not required for a motorcycle, as a money saver. Anybody had a teen on their insurance lately? Big Dollars!!!
Also, people who have had many tickets, DUI’s, or accidents use it as a route around the big dollar insurance policies.
(I have full coverage insurance)
I was in the parking lot at the mall recently and saw a Buick Skylark go by with only one wheel in the back. It was centered in the back! Since I was leaving, I pulled over to where the guy was getting out of it and asked him “Why?”. He said “It’s a motorcycle now”
He didn’t need to say more. I knew he did it to get around insurance.
(I have full coverage)

Comment by mcstanger | January 11th, 2007 4:59 pm | Permalink

Sorry for ignoring the thrust of the original article but it’s time the official definition of a motorcycle is “two-wheels and two-wheels only”. Three-wheels needs it’s own special catagory, since they handle completely different. And one-wheel (with a motor) well that just insane!

As to the original article, It boggles the mind that at a minimum, liability insurance is not required in all 50 states. If you operate a motorized vehicle of any kind on public roads you should be required to at least carry some reasonable minimum amount of liability insurance. You may not care about your own health or property but you don’t have the right to jeopardize mine without recompense.

Rhino

Comment by Anonymous | January 11th, 2007 7:01 pm | Permalink

mcstanger - what happens when an uninsured gets in an accident (to him and the other party)? Who pays? Does the letter of the law state that motorcycles need insurance?

Comment by angrybob | January 12th, 2007 7:11 am | Permalink

“Any public policy that encourages anyone to get on a motorcycle is bad public policy. The problem is that the vehicle is inherently dangerous.”

I agree with this statement. The motorcycle industry wants to grow for finantial health of the industry.
We have seen the damage to the image of motorcyclists with the recent growth. Every cruiser needs straight pipes, new teens on sport bikes drive with total disregard of others including themselves, older people becoming riders with no skills. All of this attracts negative attention. I may sound like a snob, but I don’t recommend motorcycles to others.
And yes, I realize that the topic was insurance, but I had to respond to the quote.

Comment by Cyclebrain | January 12th, 2007 7:00 pm | Permalink

Funny. I guess I never thought of it, but I don’t recommend motorcycles to others either. I don’t want the reponsbility of someone that I got into the sport of wadding up their body and equipment.

Comment by angrybob | January 12th, 2007 8:09 pm | Permalink

angrybob - Straight from an attorney friend:

“Rick:

You do not have to have MC insurance in Florida.
HOWEVER, if you do not wear a helmet, you must have at
least 10K in health insurance. If you wear a helmet
no need for insurance. If you do not have insurance
and are involved in an accident and it is YOUR fault,
you will receive a ticket for No Insurance and your
license will get suspended. I get alot of people
pulled over for speeding and they do not have a helmet
or 10K in health insurance so the officer writes a
ticket for NO MC Insurance (this is wrong, he should
have wrote a ticket for NO MC helmet). If the person
does not fight the ticket and they go and pay it, they
will get a letter in the mail saying their license has
been suspended. Best to get insurance if you ride a
MC in Florida. Get Uninsured/Underinsured Motorist
(UM) and get as much as you can afford and “stack it”
if you have other vehicles in the household that also
have UM. Also, you should get “Medpay” on your MC
policy and as much of that as you can afford. If I
had to guess, almost 50% of people on the road today
do not have insurance or do not have enough.

Thanks,
Jerry T.”

Clear as mud now?

Comment by mcstanger | January 13th, 2007 7:07 pm | Permalink

Ivory towers are nice places to view the rest of the world. Problem is, down here life and death really happens.

All parts of our modern life have risk involved. Driving, motorcycling, flying, eating out… you name it. Social utility is what makes something “worth it or not” and therefore “legal or not”. Bottom line is, the “good doctor” is trying to argue, at the crux of her argument, that motorcycling serves no social utility. The insurance argument is a red herring for her to get that primary point across. Classic, actually.

As for insurance, I carry LOTS of it, especially UM/UIM (uninsured/under-insured) so when an uninsured driver (or underinsured driver) hits me or mine, I’m covered. I also carry a personal umbrella policy in the event I accidently kill/maim someone else I have plenty of excess coverage to provide for the harm I may have caused as well as to protect my assets.

Keep the shiney side up brothers.

Comment by MotoVegas | January 15th, 2007 3:27 pm | Permalink

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