Cody, its PIP (personal injury protection) and MedPay (medical payments coverage) that if carried (mandatory in some states) covers injury specific to the operation of the vehicle. Those insurances do exist and are widely used. Many carriers won't offer them for bikes but many will.
The health carrier is excess over them or primary if there is no other valid collectible insurance.
The health carriers and safety groups forget to tell you that stuff. It is their self interest not rates. Check back in a year in NC and see how much they cut health premiums
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Get the rates on fat, diabetic smokers and heart attacks or type 2 diabetes. Helmets are maybe $1.00 a year in excess exposure over the big deals. Why no laws on fat smokers who eat and drink like sugar factories? (because the masses won't tolerate it!) They attack the minorities who are too small to fight back in the filthy world of lobbying.
The government has no place in this. None at all, it is contrary to what they were designed to provide.
