Tag Archives: motorcycle helmet law

Motorcycle Safety – Helmet or No Helmet

Motorcycle helmet laws differ from state to state. Only twenty states and the District of Columbia have motorcycle helmet laws that require all riders to wear a helmet. Three states don’t have any helmet laws (Illinois, Iowa, and New Hampshire). Twenty-seven states have a motorcycle helmet law that only ssome riders to wear a helmet. All but one (Colorado) depend on the driver’s age. Colorado requires those under the age of 17 and younger including passengers.

If you are traveling across state lines, it is important to know the laws of each state. For safety concerns though, it is important to recognize the value of wearing a helmet. There have been several studies reviewing helmet use, injuries and fatalities as well as laws and helmet.

  • As states repeal helmet laws, fewer riders are wearing helmets. According to the National Occupant Protection Use Survey (NOPUS), conducted from the fall of 2000 to the summer of 2002, helmet use dropped from 71 percent to 58 percent nationally.
  • In 2006, 65% of fatally injured motorcycle riders were not wearing a helmet in states without all-rider helmet laws, compared with only 13% in states with all-rider helmet laws. (NHTSA, 2007)
  • Per vehicle miles traveled, motorcyclists are about 21 times as likely as passenger car occupants to die in a traffic crash and four times as likely to be injured. (NHTSA, 2001)
  • Helmets reduce the risk of death by 29% and are 67% effective in preventing brain injuries to motorcycle riders. (NHTSA, 2001)
  • Surveys have shown that helmet use is essentially 100% in places with all-rider motorcycle helmet laws compared to 34 to 54% at locations with no helmet laws or with age-specific helmet laws. All-rider laws significantly increase helmet use because they are easy to enforce due to the rider’s high visibility. (NHTSA, 2000)

If you look at it from the standpoint of a Motorcycle Insurance company, you can understand that accidents without helmets can cause significant injuries and even death, which can increase payouts.

No one wants to see anyone injured, let alone seriously injured because of an accident. If wearing a helmet and protective gear can prevent the injury from being much worse than when not wearing a helmet, it’s something to consider. Wearing a helmet can lower the cost of your Motorcycle Insurance premiums. Maybe that is enough to make you reconsider if you go helmet free?

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Ashley Bishop Owner/Agent
Budget Bi Rite Insurance, Inc

Serving All of Florida