While you're at it,,,,,,Raise the rates for those who choose to eat while driving, talk on a cell phone while driving, program their GPS, seach on their IPOD for that 'special' song, text their BFF or read a text from their BFF, and all those other things that car drivers choose to do to distract themselves with electronic toys while they're supposed to be driving that make riding a motorcycle extremely hazardous....and don't forget to reject insurance injury claims from folks who refuse to wear seat belts. .
Or just throw in folks that own or shoot firearms. for rate hikes too........... those things are also dangerous ...........
Why not just let the Government control every thing we do?