[Topspinmo]

Originally Posted by OrangeBlossomBaby

Common situation with motorcycles:

Amos is driving a car shortly after it rains. Amos is going to fast for a turn he's trying to make skids, and hits Malik, who is on his motorcycle. Malik is not wearing a helmet.

Malik suffers traumatic brain injury, or becomes paralyzed due to a broken neck.

Why should Amos's insurance - or even Amos himself - foot the bill for Malik's injury? It's HIS choice not to wear a helmet. Yes, the accident was caused by Amos. But if Malik had been wearing a helmet, Malik might have walked away from the accident.

Amos should have to pay for damage to the bike. And possibly all the medical bills that are NOT related to the head injury or broken neck.

But that's just not how it works, presently.

As for the pickleball stuff - maybe it's time health insurance companies add a "sports equipment" rule into their policies. If you're participating in a sport that has safety equipment available, and you choose not to use that equipment and suffer an injury, they won't cover the medical bills.

Wow, just wow!