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By seancb (registered) - website | Posted September 19, 2007 at 14:33:40
Unfortunately, you can't argue that (based on your personal record). My personal record on my bike is that I've caused no injury to anyone but myself (and even then, it has mostly been on trails in the woods). My personal record in a car is that I've never caused injury to myself nor another human (but I did cause injury to one poor deer). But my car insurance costs are still rather high.
The insurance companies only understand risk analysis based on statistics, and unfortunately, no matter how good a driver you are personally, you are stuck in a class of road user that has a high statistical likelihood of costing society (and private insurance companies) a lot of money.
I vote down for offensiveness and up for humour. I cast no votes based on my level of agreement.
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