Bonneville America Forums Forums Rider Safety Forums Helmets and Gear To wear a helmet or not?

Motorcycle Insurance rates are derived from the cost to repair crashed bikes and the cost of medical fees to repair crashed riders. Every dollar that is spent due to a crashed rider not wearing safety gear (helmet, gloves, jackets, etc...) tends to increase the insurance premiums for everyone, including us that DO wear safety gear. To say the wear of safety gear is an individual choice that doesn't affect anyone else is extremely short-sighted and false. That is, if the unprotected rider has an accident. So, if you can absolutely guarantee that you will not be involved in an accident, whether your fault or Suzie Cellphone's fault, then I won't give you any crap about riding unprotected. Until then, please gear up before hitting the road. I pay too much for insurance already, I don't need to pay more because someone thinks safety gear is an infringement on their personal rights. I say that the unprotected rider is infringing on MY rights and my bank account.