content: Ever met anyone thats come off their bike without a helmet advocate wearing a helmet? No, you probably wont either. Theyre generally either dead or brain damaged. Now if youve only paid... say... $5000 in insurance over the 5 years youve been with the company.... and you need $500,000 worth of surgery and post op care and rehab... Who do you think pays for that?  Got no issue that people dont want to wear helmets. Up to them. But it doesnt mean you should get a payout.