Does Your Motorcycle Insurer Care if You Wear a Helmet?

In Mesa, AZ, state law dictates that you must wear a helmet if you are under eighteen years of age. This means that legal adults are not obligated to wear them. Now, we don’t need to tell you that wearing a helmet is the wiser choice. It will save your life one day. But suppose that, for one reason or another, you’re riding without a helmet and you get into an accident. Would this invalidate your motorcycle insurance claim?

Your Insurer Will Probably Honor Your Claim, But…

What it really comes down to is whether you’re breaking any laws. Since you’re not required to wear a helmet in Arizona by law, your insurance provider won’t require that you wear one, either.

But, the fact that you were not wearing a helmet at the time of the incident may result in a lower payout than you might have received had you been wearing one. Insurance payouts aren’t always a yes-or-no equation, and if your provider feels that you’ve been lax in your approach to safety, they might not be willing to accept full responsibility for your injuries.

So, the short answer is that if you call on Freedom Insurance Agency following a helmetless motorcycle accident in Mesa, AZ, we’ll cover your bike, we’ll cover liability costs and anything else you’re signed up for. But we might draw the line at head injuries sustained without a helmet.

Give Us A Call

Our advice is to wear your helmet at all times, even if you think it’s going to be a short trip. If you call Freedom Insurance Agency for a policy today, you can be sure we’ll have your back, but you’ve got to take measures to protect yourself, too.