Yep what they said about needing proper insurance and age thing. Being a Floridian I see people riding bikes without lids all time. Mostly Harley Style bikes. I would suggest wearing a helmet at all times. Now I admit to when taken the occasional person for a ride around the block I/we went without helmets,but never hit a Major road or went very fast. Anything that involved going on a road with potential HAZARD A helmet was worn.
I witnessed my friend who got me into riding(20 or so years ago) take a 60pmh crash. Some young kid(16yr old) rushing to cross US19(beat the traffic) pulled out right in front of us. I managed to swerve barely missing his rear bumper,but my friend wasn't so fortunate. 60 to 0mph into the side of the car. Many injuries,if it wasn't for the helmet(Simpson dark vader) He would of died. These images are something burned into my waking life. Point is you can't control your environment. Take care to protect yourself as much as possible.