A number of factors go into the calculation of insurance rates. The nature of insurance, however, is pooled risk. And every motorcyclist kept on life support because he/she was stupid enough to ride without a helmet costs me money.
True. I lived in California where it is mandatory to wear a helmet but I started wearing one long before it was law.
Having one of your friends killed causes you to rethink this "freedom" thing when riding a bike.
And the cost to taxpayers is astounding. Considering that most of the Country is in financial disarray right now you would think it would be mandatory.
I drifted off topic, I apologize. Back to texting and driving.