Monday, March 14, 2011

Freedom of Choice

Safety in Motorcycle Riding

The state of Florida has a no helmet law for motorcycle riders. Translation, the rider has an option to ride with or without a helmet. Florida also provides an opt out for motorcycle insurance. Translation, no insurance required. Another option is to have motorcycle insurance with a minimum liability of $10,000.00. I don’t understand the logic or lack there of.

Regardless of the explanation, this one very important reason should transcend any political or legislative word dance…personal responsibility. Yes the freedom of the open road and wind blowing across your face feels good. Yes this feel good feeling provides a sense of security...false security. Yes you save money on an annual basis by foregoing motorcycle insurance. You need to ask yourself is this feeling of security…false security outweigh the potential catastrophic mess that could follow?

If you do survive a motorcycle accident, the medical costs you will incur are astronomical. Beginning from the ambulance ride, throughout your hospital stay, follow-up visits, any rehab time and loss of work time, the money you saved in annual premium by choosing not to have motorcycle insurance will not be enough to cover medically related expenses. Question, did you invest saved premium or use it as extra spending money? Even the $80.00 DOT approved motorcycle helmet you chose not to wear won’t be enough to cover your electric bill. Ask yourself, are you one of the over 1 million Floridians without health insurance? If you answered yes, you just added insult to injury and dug yourself deeper in to financial crisis.

If you’re a victim of a multi-vehicle accident and plan to sue, it could take years before you see any money provided there is money to collect. So what do you do in the mean time to recover lost monies? Do you have at least 6 months of disposable income available? Suffering through post-accident injuries is frightening enough. You can choose to avoid the additional stress of worrying about bills by having insurance in place. You can increase your chances of survival by wearing protective clothing and a DOT approved helmet.

Failing to see beyond the box will put you in a box.

Sound choices,
Trisha M. Pacenti RN,BSN