I agree to some extent. I believe it should be your right to wear or not to
wear protective devices, helmet, seatbelt, pfd..etc. same as it is to smoke
or not to smoke. I don't think insurance should cover "negligence". In this
day and age personal responsability has fallen to the wayside and lawsuits
and insurance claims took its place. Thats the reason the U.S. is in the
shape its in. We need to wake up and put the responsibility back into the
hands of the people and enforce it. Hit people in the pocket book.