It really doesn't matter about the insurance, unless the policy covers an indefinite amount, which most do not. It can take about a week in the hospital to go through several hundred thousand dollars worth of coverage...something as relatively simple as a stint can cost as much as 100K before all is said and done. A head injury that made one totally disabled for life would go through most private insurance in a heartbeat, then guess who picks up the tab...not only taxpayers, but others who have private insurance, over time, have their rates jacked up to cover any losses incurred by any given health system. So, we all pay for those who are underinsured, have no insurance, etc, one way or the other. There are exceptions to every rule, of course, but 90% of the time, we all end up paying.
I'm not saying that the NUMBERS of riders who choose not to wear helmets, then get involved in an accident that causes an injury to the head that could have been prevented by wearing a helmet, is significant compared to the general population of either riders or non-riders, but whatever the cost, it is passed on to each and every person who is old enough to pay taxes, have health insurance, and lives long enough to retire. And how in the world does anyone think that it's going to make a dime's worth of difference whether the person is insured or not? What are the health care providers going to do with a case that comes to them with half their brain laying on the gurney, has no insurance, or a relatively small coverage amount...roll them out to the dumpster in the alley and slide 'em off? I don't think so...will never happen, so we pay. Not to mention the fact that what if they are the primary bread winner in the family and because of their injury, which could have been prevented by wearing, it causes that family to become "wards of the state"? The point being that choosing not to wear, and being injured because of that, has a ripple effect that does not just involve that single individual. Riding on public roads is not a RIGHT, it is a privelege...the "government" imposes all kinds of safety laws, but the hot button seems to be helmet laws. I don't really care if somebody doesn't want to wear, but I'm also fully aware that I'm going to pay, one way or the other, if something bad happens. The whole helmet thing is an emotional issue, not a rational one. That's a fact...