i dont know about other states, but in texas, it does make your insurance go up. in fact, there is a clause in the texas law, that for it to be totally legal for you to ride without a helmet, you must have full coverage insurance for damage to the bike and vehicle, as well as for persoanl injury.. i aint real sure why that is, but i think its so the state doesnt have to pay your hospital bill when you slam your unprotected skull against the pavement..
i could be wrong on that last part, but i know it does make your insurance higher.
bigjohn
