I will agree to disagree with you, Moldy. If I get on a bike, and we get in an accident, I fully expect to pay for my own medical expenses (unless of course the accident wasn't our fault). It was my choice to get on the back of the bike, therefore I feel that it's my responsibility to make sure I am protected. If the owner of the bike does not have ins. for him/herself, thats their problem, but thankfully I'm not stupid enough to get on anyone's bike without insurance to protect myself as well. Maybe I'm dumb or weird, but I call it looking out for myself, because if I don't, no one else will.