Helmet or No Helmet

[derf]

I don't like helmet laws personally, the gov shouldnt tell me if I should or shouldnt wear a helmet, my safety gear doesnt affect other drivers on the road. I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)

That being said, if an insurance company wanted to write their policies as to deny you benefits if you get hurt without one, I wouldnt have a problem with that

[101lifts2]

Originally Posted by derf

..... I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)....t

I think they do, but NJ is prolly corrupt.

[Rider]

I wear a full face helmet regardless of the law or insurance rates.

[shmike]

Originally Posted by tached1000rr

bike thefts, accidents and being totaled drives insurance rates more so than anything.

Originally Posted by Smittie61984

I'd charge people in states with no helmet laws less. Odds are is if someone with no helmet wrecks a bike they won't be calling wanting a new bike.

Originally Posted by derf

I don't like helmet laws personally, the gov shouldnt tell me if I should or shouldnt wear a helmet, my safety gear doesnt affect other drivers on the road. I also dont believe that helmet laws affect insurance rates, 10 miles away from me in PA (no helmet laws) the insurance is less than half of what it cost me in NJ (mandatory helmet)

Plus 3.

The correlation between helmet wearers and motorcycle insurance rates is minimal at best.

[z06boy]

I don't think helmets make that much difference in rates but I have no problem wearing mine.

The only times I road without one was at bikeweek at low speeds.