OK I have to put my 2 cents worth in on this. First I live in South Carolina where you do not have to ware a helmet. So if you don’t want to ware one more power to you, but I think you should have to pay the higher insurance not me, and I think if you get heart or killed do to a head injurer you and you family should have to pay all of your bills not me or my insurance company.
I have been riding for 36 years now and have always wore a helmet, and started wearing a full face one when I was 7. But this story from about 5 years ago reminds me why I never ride with out one.
It was about 3pm on Christmas Eve when a guy in my hometown was riding home from work He was stopped at a stop sign 3 blocks from home. In this part of town the speed limit is 25mph. An 80something year old lady was coming to a stop behind him and hit his rear finder. She did not run over the bike or him she just knocked him over. He was not wearing a helmet and hit his head on the curb. He was dead before they could get him to the hospital. That day 2 little kids who were both under 10 at the time lost there father. You now have to think about what Christmas is to these kids is it a time of joy or is it a reminder of when there father died.