[the chi]

I dont believe in mandatory helmet laws, but I dont leave the house without mine.

As far as insurance is concerned, if someone agrees to wear a helmet and doesnt and is hurt, I think they should deny coverage. They broke the agreement to ride safely in exchange for that discount, they obviously dont care to keep their insurance.

The military is big on that one, get busted in non approved gear or lack thereof, including helmet, they refuse to pay and may terminate you. Kid back in Florida thought he was a stunna, cracked his head on the curb, military did both. Kicked him out and left him to pay all his medical bills.