Cody, you are paying no more money because of helmet laws or the lack of them. Its an excuse for health carriers to push rates and send their lobby to get lids on folks. There is not one bit of valid data to justify rate increases across the board or rate reductions that never happen. Since when does the government care about insurance? Its the mind your business lobby that gets that stuff done.
Look at the rates on the big fast sport bikes. Way higher than our bikes. That is outrageous! 99% of those guys are wearing full face lids and leather at 150MPH, they should never get hurt with the helmet on should they? Why are sport bikes double the insurance? Everybody knows with leather and a lid you simply cannot get hurt unless you pass light speed.
Driving conduct and the horses available are what kill riders. 50% that die are drunk. Well goshiegee ossifer I only had 8 wittle beers but I gots me lid on, yup.
Lids are a personal choice. As above, I think I would have to move
