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
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