i don't think anybody should be forced to wear a helmet, but i don't think insurance companies should have to pay medical bills for head injuries of those not wearing one either... i don't think anybody should be forced to wear a helmet, but i don't think insurance companies should have to pay medical bills for head injuries of those not wearing one either...Works for me. I now wear a ski helmet. It,s warmer than a hat and novsunburned ear lobes.