So If I get a head injury in an accident while stopped for a red light, rear ended by a drunk talking on their cell phone in an SUV, I shouldn't be covered because I was not wearing a helmet?
For that matter, a lot of 4-wheeler drivers suffer head injuries--maybe helmets should be required for them, too.
I don't think the insurance companies should be allowed to legislate (no coverage, you cannot operate the vehicle legally) either, and if you saw who funded the (mostly seriously flawed) studies, you'd find someone putting together an actuarial table at the other end.
Hey buddy, You make a good point. I hate to be TOLD I have to wear a helmet. I mostly wear one anyway, but a ride without is sweet and I 've done it a bunch. If helmets are good for motorcyclists, then they must be good for those driving otherwise. You do notice how they have been building in head protection to cars now with the side curain stuff, how about some intantly inflating headbands for us normal folks who ride.
Let's invent them Joe, we'll be rich!