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Helmet laws are universally backed by insurance companies, but not for the reason you might think.

I believe your misguided emotions have taken over. Why wouldn't the insurance industry insist on legislation that theoretically reduces medical liability regardless of who is "at fault"? It's perfectly rational underwriting logic that you and others apparently don't get. Like everything else in the USA and elsewhere, it's all about money, and saving your cranium is part of the equation (target or not). But then again I suppose some folks would have a problem with licensing itself being a legal requirement too . . .

I myself would choose to fight another fight (hmmm, that's a real easy one -- lock up all the bastards having the audacity to ride & drive without insurance.)