A HA! Sarcasm, eh?!?! ![Hehe! :lol](http://bbs.hitechcreations.com/smf/Smileys/default/laugh.gif)
But here's the catch... if you are a participatory insurance (mutual) policyowner or happen to be stockholder as well as a policyowner in a "stock" insurance company, then you do lose when someone else does something stupid! ![neener :neener:](http://bbs.hitechcreations.com/smf/Smileys/default/neener.gif)
Well, then, riding a bike should be made elegal to protect the stock holders. Even better, selling insurance seems a bit of a risky behavior given the crazy things we do. That should be elegal also
![Hehe! :lol](http://bbs.hitechcreations.com/smf/Smileys/default/laugh.gif)
BTW, I was asked by an insurance company 10 years ago to sign a paper that said that I would not ever sky dive again in order to keep the price of the life insurance down. See? It is doable without laws. Put it in the contract.