chomps1211

That's "Murphy!" ...it's the Law!!!


How True, How True!! ...from my own personal experience, lest you need reminding!!

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You're only Young Once,.. but you can be Immature FOREVER!!!!
2012/13 Season;
(48) days out!

Donutz

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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Illegitimi non carborundum

Mountain Days: 30

mixie

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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if a cat fucked a shark, the babies would be called women. snowklinger

Donutz

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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Illegitimi non carborundum

Mountain Days: 30

NorthCoastRider

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.

Donutz

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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Illegitimi non carborundum

Mountain Days: 30

EatMyTracers

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.

Flick Montana

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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Zombie Nation
Gear:
Rome Design 165 / Rome Arsenals
Rome Anthem 158

Lady

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.

faridk89

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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Board: 2012 DC Devun Walsh
Bindings: 2012 Rome 390 Boss
Boots: 2012 ThirtyTwo Lashed