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'Live Free or Die' reads the New Hampshire licence plates, and NOTHING is more important than that liberty. The back of my hand to safety & security. You're worried about motorcyclists, when auto/truck drivers by the thousands are mowing cyclists down as they chat or text on their miserable cell phones. Nonsense. I think the insurance industries figures are skewed - you can crunch numbers any way you like, especially if that is what you do for a living. Most of the senior riders I know do what they can to stay alive - ride sober, avoid rush hour when possible, never ride at night. You can keep your helmets; I'll take my freedom to chose.
Cheers, Robert Larson (2009 HD FHLX