yeah the rider was stupid for going that fast...but she could of easily said na I don't wanna ride...most ppl know how fast bikers go...and for the most part none of us have insurance (I know there are some) one accident and one womans voice isn't gonna change a law thats been sittin this way for a long time....theres too many bikers who will vote against it...Yes it sucks that she got hurt...and that she has to pay...but hell thats what happens, it could happen walking down the street, does that mean you need walking insurance No...shit happens...her HEALTH INSURANCE should cover her damages, and if not...Lesson learned....shitty way to learn it, but learned never the less