Will your insurance payout?
As an active member of the U.S. military, insurance regs have gotten stricter.
If memory serves me right, the Regs say military moto-bike riders must wear a helmet, two layers of eye protection, gloves, long sleeves, long pants, and protective footwear; OR they will not pay for any medical care. The on-base MSF instructor did say, if a rider breaks a leg and wasn't wearing long sleeves, they don't have to pay. Because the lack of long sleeves had nothing to do with the leg injury, they may pay the medical bills. It's up to them.
The SGLI life insurance will not pay the beneficiaries if the rider wasn't wearing a DOT helmet regardless if the helmet was a factor or not.
Non-DOT hemets are the same as NOT wearing a helmet.
If I die not wearing a helmet means my family just lost $450,000, not to mention future financial support and a father/husband.
I maybe many things....
.... But not evil enough to do that to my loved ones.
Heck, if I have to wear a fluffy pink helmet to make sure they pay, they're going to pay....
....even if it kills me.
Don't get me started on insurance companies.