I agree with letting each rider pick and choose their own safety equipment/free country/personal choice thing. However, I don't think that it's fair to me to a) have to pay higher insurance rates because someone exercising their right to be stupid sprayed 1/2 their head all over the road but didn't die and cost the insurace company 20 million bucks to keep alive - so the company passes the cost on to the rest of us by higher premiums, and B) Same scenario, except the same no helmeted uninsured CS fluid leaking person has now become a ward of the state hospital and my taxes have to pay for life support for 30 years. With personal choices comes personal responsibilities. Sure, thin the herd, don't wear your gear, just go ahead and pin the expenses on the rest of us, buddy.