Then create a cost for not wearing a helmet. Raise the insurance rates to account for the extra costs. Or give appropriate insurance discounts for wearing a hel

Then create a cost for not wearing a helmet. Raise the insurance rates to account for the extra costs. Or give appropriate insurance discounts for wearing a helmet. If you are caught without a helmet and don't have the "helmet-free" insurance, then you get fined, your insurer can drop your policy, and/or your insurance skyrockets.