You have that totally backwards.  The truth is the rider with no helmet cost
about $500(a cardboard box and a trip through the furnace).  The one with a
helmet becomes a quad in a wheelchair.  You see they tend to break their
neck with the bottom edge of their helmet.  The cost for that is around
$100k a year as long as they live.  Ask anybody that works in rehab.
                Crash
  While there is no stronger advocate for individual freedom than 
I am, I also want the freedom of not paying for someone's medical care 
through taxes, gifts to charity, or higher insurance premiums.just 
because they wanted the freedom of no helmet
Buster Evans
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