[ARCHIVED THREAD] - Motorcycle for SHTF (Page 1 of 2)
Posted: 2/10/2010 7:24:19 PM EDT
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I have a 4 year old standard bike with less than 5000 miles that used to see daily commutes. I have had thoughts of getting rid of it since I don't ride that much now and I see it as a pain in the ass getting geared up and clearing the crap off and from around it just to get out of the garage when I want to ride to work. What do you guys think of hanging on to it for the time being? It made fairly good sense riding daily with gas over $3.50 a gallon, but now it sits idle most of the time.
The bike doesn't have bags or anything so it's cargo carrying capacity is limited to what I can carry in a backpack and strapped to the back seat with a bungee net. It's a fairly time tested and reliable model that gets fairly good mileage (45-50 mpg), fairly cheap to maintain, title, insure and is still fun when I get time to hit the open road. With having a family of two small kids and a wife that wants nothing to do with riding, it really serves no purpose as a BOV for me, but does anyone see a reason to hang on tio the bike? Liquidating would net me ~$3k. Maybe it's the cold weather and current lack of time and ambition to hang on to the motorcycle, but I am seeking your input. Thanks for your opinions. |
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With kids and a wife that need you to be there as dad. I say sell.
stupid stuff happens I was riding home and a guy could not see me. He cut me off so that i hit him. Totaled bike, broken hand, ER bill, surgery, 12 weeks in a cast, then rhab. I really got out of the deal pretty good. What would happen to your family if you were injured and could not help provide for the next 6 months? That bike cannot save enough gas money in its usable life to pay for one ER trip even if you are told that you are bruised and go home. The bike can't justify itself economically So if the bike is fun enough to justify the risk then insure yourself completely and have fun. If the bike is just to save gas money then sell that thing and invest the money. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. One of the most dangerous things that we do is travel by automobile. So yes traveling by motorcycle is a greater risk than traveling by car, or walking, or taking a shower. The OP was asking if the bike was worth keeping. Economically a motorcycle cannot justify itself when the health risk is counted into the cost. That is just the fact. If you still like to ride after you count the cost then make sure that your obligations are met and have fun. In the op's example he should insure himself enough that his family would be cared for even if he ends up a vegetable in an accident. If I touched a nerve on you maybe you should have a look to see if your obligations are met to––maybe buy more insurance. |
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Since you have a family, sounds like bugging out on motorcycle isn't really an option (unless you can convince your wife to get a bike too and the kids are big enough to ride on the back). If you're hurting for cash or could trade it toward something more useful then go for it. Otherwise, I'd hang on to it. You can always sell or trade it later, and motorcycles are fun  . My motorcycle is paid off, costs me $110/year to insure, and gets about 45 miles per gallon. My bug out plan involves putting my motorcycle in the back of my truck for maximum range and terrain versatility. But I don't have anybody coming with me. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. One of the most dangerous things that we do is travel by automobile. So yes traveling by motorcycle is a greater risk than traveling by car, or walking, or taking a shower. The OP was asking if the bike was worth keeping. Economically a motorcycle cannot justify itself when the health risk is counted into the cost. That is just the fact. If you still like to ride after you count the cost then make sure that your obligations are met and have fun. In the op's example he should insure himself enough that his family would be cared for even if he ends up a vegetable in an accident. If I touched a nerve on you maybe you should have a look to see if your obligations are met to––maybe buy more insurance. please.... gimme a break. dont you worry about my obligations, they are none of your business or concern. I just feel that living life in such astounding fear of being injured is not living life at all. all life is a risk to some extent. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you. 
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. 
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. ok thats a good example of how to be stupid. but how does that equate to riding a motorcycle? |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. ok thats a good example of how to be stupid. but how does that equate to riding a motorcycle? Stupid people that you share the road with! Most of the time its not the person on the bikes fault for the accident! It's the people around them and how they drive! I was in my first accident in 16 years driving a few months ago a woman ran a stop sign because she was trying to pick her cell phone off the floor or her car! She ran into the side of my truck told the officer what she did and did not get a ticket! Now if I was on a bike she would have killed me or my right leg would have been crushed! 95% of the people out there do not know how to drive! It's not worth the risk to save money on gas! |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. ok thats a good example of how to be stupid. but how does that equate to riding a motorcycle? Stupid people that you share the road with! Most of the time its not the person on the bikes fault for the accident! It's the people around them and how they drive! I was in my first accident in 16 years driving a few months ago a woman ran a stop sign because she was trying to pick her cell phone off the floor or her car! She ran into the side of my truck told the officer what she did and did not get a ticket! Now if I was on a bike she would have killed me or my right leg would have been crushed! 95% of the people out there do not know how to drive! It's not worth the risk to save money on gas! OMG!!! thats right, just think if you were in an airliner!!! hundreds of people would be dead now!!!!! |
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You can't carry much but you can go many places a car/truck would have trouble with.
I ride a KLR650 and have thought about this alot, if I had to get home from work on my bike my biggest fear would be the fact I am open and unprotected while riding. Trying to bust through a crowd/mob is pretty much out of the question however I could cut through a building or fence gates. For a quick dash from point A to point B it might be the best choice. For hauling those 500lb bug out bags, well, that ain't gonna happen. |
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My opinion.
If you have the free storage for it, are not really hurting for cash right now, and are not riding it often/at all then clean out the carbs really well, drain the gas out of the tank and flush, drain and flush the oils. Throw a cover over it and leave it in storage. This way if you ever get the bug to ride again it is a lot easier to bring a bike you already own back up to shape then finding a new one and buying it. Heck if you know for a fact that you are not going to ride for a long time let the registration and insurance lapse on it and it will not cost you a dime, just some storage room. |
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While others have gotten into a debate on the merits and safety of MC's, I will toss out my two cents on post SHTF MC's. I once read a book, maybe twenty years ago, and one of the points made was that the streets of a post collapse world would be ruled by MC's running on ethanol made in home stills.
I do not know the science, but the smaller and higher compression MC engine is more condusive to ethanol use than your standard auto engine. This may have changed some with the increase in high output four cylinder engines out there. But, between the high MPG and the easy adaptability for ethanol use, it seems to me having a MC in the preps would not be a bad idea. Does this mean I'm planning on running out and buying an MC, no. But if I had one in the garage and it was costing me no money, I might be inclined to hold on to it. I might also invest some time in learning about converting it to ethanol use. It may not be an ideal BOV, but it might come in handy to run to the store or work when gas is $25 a gallon or unavailable. If you need or could use the money for more pressing needs or preps, then selling might be the better choice. Keep in mind that this might not be the best economy to be selling right now. Take one look on Craig's List and see how many strapped people are selling their toys, and how cheaply they are doing it. If not pressed, I might wait a little while. Just my $.02 
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| I think bikes make great one man light weight bov . Seeing you have a family and one bike I say sell it but sell it on your terms since it seems you do not need the money right away . But If you really enjoy riding keep it a man does need some reality escape every now or then , a stress bov if you will. Just stay safe and watch for idiots . |
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Since you have a family, sounds like bugging out on motorcycle isn't really an option (unless you can convince your wife to get a bike too and the kids are big enough to ride on the back).
If you're hurting for cash or could trade it toward something more useful then go for it. Otherwise, I'd hang on to it. You can always sell or trade it later, and motorcycles are fun
. My motorcycle is paid off, costs me $110/year to insure, and gets about 45 miles per gallon. My bug out plan involves putting my motorcycle in the back of my truck for maximum range and terrain versatility. But I don't have anybody coming with me.
This is the only viable excuse for that bike and you the op don't have it. SELL IT!!!! |
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I have a small standard bike that I bought (coming up on my 3rd summer that I'll have it) for $1000 before gas pushed up really high a summer or two ago. In one summer the bike paid for itself in gas savings and over mileage that my brother put on a lease car that I got stuck driving (after he wrecked my truck...). Living in Detroit, the streets were relatively empty and traffic was not that bad (driving the the burbs scares the sh*t out of me!). Easy to maneuver and easy to park. Bike isn't worth that much and is only a 250 so it's nothing people would customize. There were a few times between checks when I just couldn't afford to fill up the car so I buzzed away on the bike.
The reasons the bike worked for me and why I'll keep it: 1) saved me gas money, was cheap to buy and even cheaper to ensure. Maintenance is MINIMAL 2) not likely to be stolen because of low value/appeal 3) easy to park in a downtown and school environment 4) longer range gas tank than my truck that i now have! 5) maneuverability was king with this thing, i was able to avoid potholes and a few accidents because of my bike 6) If the economy gets worse (if... haha) and I'm stuck having to drive all over for jobs, the bike will get me there with minimal costs. 7) my girlfriend would kill me if I got rid of it, despite me not liking putting her at risk by riding with her on it 8) It's not costing me anything to really just keep it. 9) It provides me with joy There are definitely risks, namely other drivers. I'm a paranoid driver to begin with which lends itself well to bike riding. I don't have kids, though I'd like to stick around for both myself and my girlfriend. You are definitely OPEN on the bike. You are subjected to greater chances of bodily harm IF you get in an accident, but at the same time I have been able to avoid accidents that I feel I would have gotten into had I been in my truck/car. You know yourself, if you like to speed and don't watch everything like a hawk then you're likely endangering your families future. I'd keep it no matter what, even if just for now. The reason I say that is it seems like everyone is flooding the market with their toys. |
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I don't recall if this quote was from AR15.com or some other place, but it seems to be on target; "I see riding a motorcycle like I see snorting coke off a whore's ass. Sure it looks like fun, but I don't see how a responsible person with a family to support can justify it." I am going to guess the probability of using the bike around town and getting into trouble (i.e. hit by someone) is much much much higher than the probability that it will be a critical difference-maker in SHTF. It might make a good "car in the shop" backup vehicle to get to work, but that's probably not worth the 3k potential cash flow boost. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. No one gets out alive anyway, go for it! |
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We had this conversation once before and it turned into a major shit storm.... I said a dirt bike or enduro would be perfect for E&E and maneuvering around a city and that there is no faster or more efficient way to traverse difficult terrain. As it turns out, however, motorcycles are dangerous, and that's just too much for some people to handle. Funny that people who don't know shit about motorcycles and damn sure can't ride worth a damn are the first to jump all over them and say how stupid it is to ride them. For the record, I'm sticking with my argument that no one in a car could catch me if I had a dirt bike. It's simply not possible unless I crash. And even then....I'll still have time to pick up my bike and kick it over and be gone before you catch up.
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And coming in from left field - sell it and buy a Rokon? Well, maybe not a Rokon, ––- but a DRZ-400 or XR 650L would be a nice trade - off. I can definitely see a little possible utility in one of those with a Baja size gas tank. My personal pick would be a WR450 with a dual sport kit, but a competition oriented engine may need more maintenance ––-making it a liability for some. I did the street bike thing myself. Followed the crowd and bought a bitchin Harley a few years back. In 5 years i rode it 3000 miles. It was heavy, a theft risk, not much fun on the highway above 65 mph. that said, i never felt unsafe due to the bike. Situational awareness is everything when you are riding one –––– but then again, riding a Harley to Hooters for bike night twice a week is a different endeavor than commuting on one 45 miles a day, 5 days a week. Decided i didnt like the combination of beer and bikes that is fostered at all the "bike nights" and "bike parties" etc. (although the women were nice) –– so the bike sat for a couple of years before i sold it and bought 2 motocross bikes with the proceeds. I feel much safer hitting the whoops on a motocross track alongside a pack of competition and goal oriented people than i ever did running around on the streets surrounded by beered up bikers
The recreational value of a dual sport bike can be immeasurable. Hitting the trails is a great way to recharge your personal batteries and un wind. And it still gives you back up transpo if your truck is in the shop |
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I like bikes and have had a few, but I don't think one would make a good BOV. To me, if I were "bugging out" then there is a good chance that there is some sort of social turbelence going on, and I think being on a bike would be too much exposure. Plus you can't carry very much and it's not paricularly easy to defend yourself.
Now, having one already at a bug-out location could come in handy for transportation and utility once things settle down and "the shooting stops", so to speak. |
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I have a Honda Ruckus 49cc scooter that I don't have to license to ride and I dont have to have a motorcycle endorsement on my drivers license either to drive it. No, its not a motorcycle... and speed leaves something to be desired (legally limited to 25 mph, but capable of ~40) But it can do some light off road riding and it is rather fuel efficient.... as in ~95 mpg actual (this actually what I have logged, not inflated fake numbers). I ride in in the summer time to work to save gas money.... I can go two weeks driving a short way to work (~5 mi) on a gallon of gas. I see this as a survival tool as I can stretch gasoline reserves for routine tasks that do not require me to use a car. I can haul many things on it....I have carried gas cans, a 20lb propane tank, my ghb under the seat, and with some work it could haul more. Yea, its no dirtbike.... but its what I have and it serves its purpose well. ETA pic:  |
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It was economicaly viable when gas was $3.50 per gallon?
You don't think it will get that high again? We are only one hissy fit in the Middle East away from seeing gas prices hit record highs again. When Iran finally develops a nuke you can expect prices to skyrocket. Keep the bike. If SHTF and you bug in you may want to eventually use the motorcycle to check on family members and you're more likely to navigate traffic jams on the bike. An ATV would probably be better for this role though. Gas will eventually skyrocket again. I give it a year before we see $3.50 once more. |
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From a survival standpoint, I can answer this easily.
As a boy, I use to ride dirt bikes a lot. It would always be inevitable some arrogant ass in a the 4x4 from hell would want to bet me pink slips, he can take his monster truck anywhere I can that bike. I had a pat answer, "OK, but its only fair because of your claim/challenge, I pick the where." After he would agree, I never had a problem finding what I needed, "OK, right now between those two trees".
Nuff said. Tj |
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I would not recommend putting more than 50lbs( of eqipment) on the bike unless you practice riding with heavy weight( also have adjustable suspension). The bike will handle very differently. I have a KLR, love the bike, I like to ride and will always ride. If you are doing a SHFT and your car/truck doesn't have the gas to go anywhere your bike as a lost option will get you on the road. Im planning my bug out Jeep with a motorcyle carrier on the back.I consider it a scout bike/ slash my truck is broke option. It also the perfect recreation set up. Quoted:
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sorry forget it. its a personal choice. to quote a man much wiser than me "Only motorcycle riders understand why dogs stick their head out of car windows" I have found things more fun than motorcycles. |
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I would not recommend putting more than 50lbs( of eqipment) on the bike unless you practice riding with heavy weight( also have adjustable suspension). The bike will handle very differently. I have a KLR, love the bike, I like to ride and will always ride. If you are doing a SHFT and your car/truck doesn't have the gas to go anywhere your bike as a lost option will get you on the road. Im planning my bug out Jeep with a motorcyle carrier on the back.I consider it a scout bike/ slash my truck is broke option. It also the perfect recreation set up. I've ridden lots of my bikes before with 50-100 lbs loaded. It's really not a problem, and it's not dangerous either. (Maybe on a little tiny 250) Adjustable suspension, while a nice idea, is not really important either. The bike will handle different, sure, but it's all about throttle control. A guy who's good on the throttle can take a bike with blown suspension and a 65 lb. pack on his back around some turns the average guy wouldn't even attempt. For the record, I used to do my grocery shopping on a motorcycle. I'm sure I loaded myself up to about 70 lbs (maybe higher) several times. Even weight distribution can help if you're having issues balancing or feeling the bike doing weird stuff. |
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The accelleration of any bike( 250cc and above) will toast the average car even with heavy equipment on the back. there are advantages as well as disadvantages to a bike. Thats why I will have motorcycle carrier on the bugout vehicle.
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We had this conversation once before and it turned into a major shit storm.... I said a dirt bike or enduro would be perfect for E&E and maneuvering around a city and that there is no faster or more efficient way to traverse difficult terrain. As it turns out, however, motorcycles are dangerous, and that's just too much for some people to handle. Funny that people who don't know shit about motorcycles and damn sure can't ride worth a damn are the first to jump all over them and say how stupid it is to ride them. For the record, I'm sticking with my argument that no one in a car could catch me if I had a dirt bike. It's simply not possible unless I crash. And even then....I'll still have time to pick up my bike and kick it over and be gone before you catch up. |
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sorry forget it. its a personal choice. to quote a man much wiser than me "Only motorcycle riders understand why dogs stick their head out of car windows" I have found things more fun than motorcycles. True, there is skydiving. I live my sportbikes but skydiving is more fun (but harder to work into the commute/bugout). |
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agreed the 50lbs was a starting point to practice, I know lots of guy that can do very large loads( long range trips like to alaska or south america). A adjustable suspension for road riding may not be too valuable but you hit a pot hole your gonna feel it and could cause a spill. I have a xt 250 that I bought for my wife( who does not ride it). I weigh more than the bike! now your picturing this and maybe comparing it to images of a gorilla on a tricycle. This bike performs...I would not count out a 250cc.
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I would not recommend putting more than 50lbs( of eqipment) on the bike unless you practice riding with heavy weight( also have adjustable suspension). The bike will handle very differently. I have a KLR, love the bike, I like to ride and will always ride. If you are doing a SHFT and your car/truck doesn't have the gas to go anywhere your bike as a lost option will get you on the road. Im planning my bug out Jeep with a motorcyle carrier on the back.I consider it a scout bike/ slash my truck is broke option. It also the perfect recreation set up. I've ridden lots of my bikes before with 50-100 lbs loaded. It's really not a problem, and it's not dangerous either. (Maybe on a little tiny 250) Adjustable suspension, while a nice idea, is not really important either. The bike will handle different, sure, but it's all about throttle control. A guy who's good on the throttle can take a bike with blown suspension and a 65 lb. pack on his back around some turns the average guy wouldn't even attempt. For the record, I used to do my grocery shopping on a motorcycle. I'm sure I loaded myself up to about 70 lbs (maybe higher) several times. Even weight distribution can help if you're having issues balancing or feeling the bike doing weird stuff. |
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Back when I was in high school a couple decades ago cali had a problem with the earth doing a little hip shaking. At the time I was younger than 16 so my transportation was a mountain bike and I subscribed to some magazine about such a subject. One of the articles that came in that magazine in the following months talked about how the author got around on his mountain bike and could get around all the devastation and what not with ease. I personally would sell the bike but here locally I am running into people who just can't scrape enough cash together to buy something and I am not into financing for them. I would probably put half the cash into a cash fund to sit on and half into food stocks or other stuff you will use if given enough time. |
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SHTF will be about having options available to you. Keep the bike. If gas gets scarce, it will be well worth it. Just know that you are easily taken out on a bike and plan accordingly...
My current gas miser is a Kawie Ninja 250. 70mpg+ Thinking about swapping into a dual sport for the off road capability... |
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"With having a family of two small kids and a wife that wants nothing to do with riding, it really serves no purpose as a BOV for me, but does anyone see a reason to hang on tio the bike? Liquidating would net me ~$3k. "
Me thinks you answered your own question. Dump it. |
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"With having a family of two small kids and a wife that wants nothing to do with riding, it really serves no purpose as a BOV for me, but does anyone see a reason to hang on tio the bike? Liquidating would net me ~$3k. "
IF you did not own it, would you spend 3K to get it for whatever reason you come up with to keep it? IF not, sell it. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. ok thats a good example of how to be stupid. but how does that equate to riding a motorcycle? 1 out of 4 auto related fatalities in my county involve a motorcycle. The ratio of hours traveled by auto compared to hours traveled by motorcycle is far less. Therefore, a motorcycle rider is many times more likely to die due to riding a motorcycle. You can do what you wish, but that does not change the fact that you are far more likely to be injured or killed as a result of riding a motorcycle. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. You're right. A crazy accident can kill you at any time. Thus, it's perfectly ok to increase your risk exponentially when people depend on you.
In fact, I'm gonna strip naked, run out into an icy intersection, and juggle chainsaws. ok thats a good example of how to be stupid. but how does that equate to riding a motorcycle? Stupid people that you share the road with! Most of the time its not the person on the bikes fault for the accident! It's the people around them and how they drive! I was in my first accident in 16 years driving a few months ago a woman ran a stop sign because she was trying to pick her cell phone off the floor or her car! She ran into the side of my truck told the officer what she did and did not get a ticket! Now if I was on a bike she would have killed me or my right leg would have been crushed! 95% of the people out there do not know how to drive! It's not worth the risk to save money on gas! This is not accurate based on what I have witnessed. Normally, in this area the cause of the motorcycle accident driving in an unsafe manner, and the operator is ususally a young male. |
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Keep the bike. This is short term pain that is making you want the $3000, you won't be able to get a new bike for a long time if the economy stays flat. Aside from the fact that it's your Ride, it never hurts to have an extra vehicle around-especially one that is paid for.
If you have to sell it, spend some of the money on a cheap small displacement 4 stroke enduro or trail bike. Being able to scout around without making a lot of noise or burn a lot of gas has a lot of plusses. Of course, you could say the same thing about a bicycle. Myself, I say keep it. |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. more dangerous on a bike.....miss mine but gotta be real......if I had a family I wouldnt ride |
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We had this conversation once before and it turned into a major shit storm.... I said a dirt bike or enduro would be perfect for E&E and maneuvering around a city and that there is no faster or more efficient way to traverse difficult terrain. As it turns out, however, motorcycles are dangerous, and that's just too much for some people to handle. Funny that people who don't know shit about motorcycles and damn sure can't ride worth a damn are the first to jump all over them and say how stupid it is to ride them. For the record, I'm sticking with my argument that no one in a car could catch me if I had a dirt bike. It's simply not possible unless I crash. And even then....I'll still have time to pick up my bike and kick it over and be gone before you catch up. +1 let them keep their Honda CR-V's. m4whore |
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With kids and a wife that need you to be there as dad. I say sell. stupid stuff happens . and this could not happen in the shower, or in a car, or walking down the sidewalk or crossing the street?......life is dangerous. One of the most dangerous things that we do is travel by automobile. So yes traveling by motorcycle is a greater risk than traveling by car, or walking, or taking a shower. The OP was asking if the bike was worth keeping. Economically a motorcycle cannot justify itself when the health risk is counted into the cost. That is just the fact. If you still like to ride after you count the cost then make sure that your obligations are met and have fun. In the op's example he should insure himself enough that his family would be cared for even if he ends up a vegetable in an accident. If I touched a nerve on you maybe you should have a look to see if your obligations are met to––maybe buy more insurance. please.... gimme a break. dont you worry about my obligations, they are none of your business or concern. I just feel that living life in such astounding fear of being injured is not living life at all. all life is a risk to some extent. I dont know you, I dont know if you have a family......if you do its you job to come home every night. Its your job to provide for them. If riding a bike or getting your rocks off with some kinda danger sport is more important to you than they are then get a divorce and let someone adopt the kids.....theyd be better off with someone who cared more about them than his next adrenaline rush. If you are like me and have no one to take care of then have at it |