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[–] SkinnyMagna [S] ago 

It's all about the armour baby. Dress like you're about to fistfight a 10 ton bear. Walking away is much sexier than getting smeared across an intersection.

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[–] gregorypeckerwood ago 

Right. Make up a will anyway, it doesn't take long. I've known expert riders who've had their brains splattered all over the road by little old ladies.

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[–] SkinnyMagna [S] 0 points 1 point (+1|-0) ago  (edited ago)

I've already got life insurance and beneficiaries sorted. There is no estate to speak of, I don't own (or need) much. If anything, the family would squabble and try to shove the shitty ikea furniture off on each other.

It's also a good idea to have full-coverage (including medical) accident coverage. Financially cover your bases, we are agreed.

Riding is unquestionably dangerous. Planning for the worst should be part of the process. That's why I harp and fuss about gear. Before even insurance, gear first. Stout, hard, well tested gear is the best insurance possible. It doesn't matter how great a rider you are, you will go down at some point. Be dressed for it. I'd rather someone take my advice and walk from an accident, than be a well-insured statistic or cripple.