To wear or not to wear a Helm? - Page 12 - Snowboarding Forum - Snowboard Enthusiast Forums
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post #111 of 373 (permalink) Old 12-15-2012, 12:53 PM
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Originally Posted by mixie View Post
...I went thru at least one helmet per year It never failed to happen right after spending $$$ on a super lite weight well vented helmet.

...Some cheapie 50 dollar ugly looking bucket? Id never crash.
That's "Murphy!" ...it's the Law!!!


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Originally Posted by onji View Post
I always ride with my helmet, even groomers can be dangerous,.. Furthermore you never know when some muppet is going to come flying into you.

...Like I've said before. Helmets can be replaced, head's cant.
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Originally Posted by Lamps View Post
this is the argument that can't be refuted unless you claim to have spidey sense and eyes in the back of your head, no matter how good you are some dufus can crash into you.
How True, How True!! ...from my own personal experience, lest you need reminding!!

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post #112 of 373 (permalink) Old 12-15-2012, 12:55 PM
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Originally Posted by mixie View Post
So uh...who gets to decide what risky behavior is?
No idea what I'm stepping into here, but to answer the actual question: the actuarial tables. There's more than enough statistical data to identify risky behaviours. In fact insurance companies use it all the time. That's why smokers get a lower rate (among many many other examples).


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post #113 of 373 (permalink) Old 12-15-2012, 01:03 PM
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Originally Posted by GreyDragon View Post
Mr. Mixie, I said I don't know how the premiums are set in the U.S. In Canada, if you buy travel insurance, you are required by the insurer to disclose i.

Im a bit confused...are we talking about health insurance or travel insurance or life insurance. I can't tell from your post? There's quite a bit of difference


actuary tables for life insurance don't cover a lot of activities. And depending on who pays your premium (you or your employer) you may or may not need to disclose any information.


which is funny, I know a few people who've gone on major cleanse diets and quit smoking and partying for the month prior to getting life insurance physicals. You know, so they;re test results would have better numbers...which is why the whole thing is just....bogus.

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Last edited by mixie; 12-15-2012 at 01:09 PM.
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post #114 of 373 (permalink) Old 12-15-2012, 01:36 PM
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Quote:
Originally Posted by mixie View Post
actuary tables for life insurance don't cover a lot of activities. And depending on who pays your premium (you or your employer) you may or may not need to disclose any information.


which is funny, I know a few people who've gone on major cleanse diets and quit smoking and partying for the month prior to getting life insurance physicals. You know, so they;re test results would have better numbers...which is why the whole thing is just....bogus.
The insurance companies have access to a lot more statistics than those that they are allowed to use, i.e. they can't set your rates based on your religious beliefs, but you can bet they know how religious beliefs affect health!

As for the cleansing thing -- that's just stupid. If you claim you don't smoke and you get a policy based on that, and if an autopsy (or whatever) shows you were a smoker then your policy is void and you've paid a lot of premiums for nothing. Might as well just not get a policy.


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post #115 of 373 (permalink) Old 12-15-2012, 02:21 PM
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Wear a helmet, or don't, it's your choice. But if you smoke your noggin without one its too late at that point.

I've been boarding/ skiing for almost 30 years and only started wearing a helmet this year. I've only had 1 bad crash in all those years (landed on my hip in the park) but I starting wearing one for my kids.

I want them to always wear a helmet so I wear one.
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post #116 of 373 (permalink) Old 12-15-2012, 02:48 PM
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Originally Posted by NorthCoastRider View Post
Wear a helmet, or don't, it's your choice. But if you smoke your noggin without one its too late at that point.

I've been boarding/ skiing for almost 30 years and only started wearing a helmet this year. I've only had 1 bad crash in all those years (landed on my hip in the park) but I starting wearing one for my kids.

I want them to always wear a helmet so I wear one.
yeah, the "do as I say not as I do" thing doesn't work well with the young'ns. And as much as you may be willing to take chances with your own bean, if one of your kids became a vegetable because you set a bad example you'd be in hell for the rest of your life.


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post #117 of 373 (permalink) Old 12-15-2012, 02:48 PM
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I didn't wear one my first few times but then my brother hit a tree and I have seen to many people with concussions so I always do now.
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post #118 of 373 (permalink) Old 12-19-2012, 09:48 PM
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I wear a helmet more out of concern from laceration from other boarders/skiers than concussions. Still, never a bad idea to protect the old bean.

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post #119 of 373 (permalink) Old 12-19-2012, 10:04 PM
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In my first season I used to wear only cute beanies. After a scary accident I decided to buy a helmet. I must say yes, wear it!!! Now I feel safe and warm. Helmet save my head several times.
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post #120 of 373 (permalink) Old 12-19-2012, 10:18 PM
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Quote:
Originally Posted by the REASON View Post
its uncomfortable.
Last year I started wearing a helmet and got some piece of shit from K2 for like 45 bucks, it sucked major cock and it was uncomfortable as hell..

This year I got myself a 2013 Burton Red Mutiny with speakers in it. It's light, keeps me warm and not bulky.

You get what you pay for, and I'd pay a little extra to keep myself safe

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