[quote name=that dude;208553if you cant afford the ins or are crying about rates going up' date=' its time to sell, and take up ping pong why you trashing ping pong:wtf: My riding or getting injured while riding does NOT affect your insurance. The type of bike YOU ride and YOUR driving/riding history effects your insurance. If the FEDS mandated that all bikers had to wear gear head to toe, do you really believe your insurance rates would go down? FUCK NO! Insurance industry is a for profit business, pure and simple. I can't speak for your insurance company, but mine sure as hell didn't ask if I wore gear and what kind. They just wanted to know if I was paying the premium in one lump sum or by installments. As well he should have been. It's a love thing. With all do respect m'am, when you marry a Marine you marry The Corps! OOOH RAH!