I'm not referring to any medical insurance, my job pays for that anyway. I'm referring to the lawsuits that happen from injuries in accidents. My sisters x was in laconia years back with his buddy. They were all excited because they could "ride free". Well he dropped his bike at 5mph, smacked his head and went braindead. His wife meanwhile wins a few million from lawsuits. That contributes to "my" insurance costs. Not that I even really care because I think bike insurance is pretty cheap.
As far as head injuries, I use to be a medic and have cleaned brains off the street a few times, I'll keep my helmet on.
And for helmets causing accidents, well I have seen plenty of sunglasses that restrict vision more than any fullface, I have seen guys with no helmets or pots with no eye protection at all and I have personally been bug eyed while wearing an openface with glasses.
