The law requiring motorcyclists to wear helmets while riding in California has been in effect for two decades, yet opponents continue to call for its repeal. Statistics compiled by the California Highway Patrol suggest that wearing motorcycle helmets has saved lives, and prevented injuries. You may want to ask your agent about any requirements in your motorcycle insurance policy regarding the wearing of a helmet. Anything you can do to practice safer riding, such as taking a motorcycle safety course and wearing the proper gear, may impact the cost of the insurance premiums you pay.
Opponents of California’s helmet law continue to press legislators to replace it with a less stringent law, requiring only riders under the age of 18 to wear a helmet. Advocates of the repeal of the law contend that whether or not to wear a helmet while riding a motorcycle should be a decision left up to each individual rider.
According to the National Highway Traffic Safety Administration (NHTSA), California has experienced a 37% drop in fatalities from motorcycle accidents since the law requiring bikers to wear helmets was passed. The NHTSA statistics indicate that wearing a helmet is the single most important factor contributing to surviving a motorcycle accident. Lowering the risks of injuries to bikers also has a direct impact on insurance costs, and other expenses.
Wearing a helmet while riding a motorcycle may reduce your chances of sustaining a head injury in an accident, and possibly save your life. Practicing motorcycle safety and reducing injuries may keep your costs of motorcycle insurance down. You may want to ask your agent for advice on other ways to minimize your insurance premiums.