I'm in the US Navy and bound by organizational law to wear a helmet and PPE. It goes like this; if you ride a motorcycle and have an accident that leads to death, the SGLI (life insurance) doesn't have to pay the $400,000 to your wife and kids. On the flip-side of that, if you wear your gear and have said accident, you're family is protected.
Why put yourself and family at risk, just because some state law says that "it's ok not to wear a helmet"?!?
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