On Thursday Governor Rick Snyder signed a bill repealing the law that requires motorcyclist in Michigan to wear a helmet while riding. This repeal makes Michigan the 31st state in the nation to allow riding a motorcycle without wearing a helmet. This has been a hot topic in politics for years with the previous Governor vetoing a similar bill twice while in office. Proponents say that the repeal will bring added money to the state through tourism via motorcycle clubs now willing to tour Michigan. Opponents of the repeal, such as auto insurers and health care providers, fear it will result in a hike of insurance premiums due to additional accident related deaths and injuries.
Only time will tell what the long tell what the long term effects or consequences of the repeal will bring. What we do know about the repeal is that motorcycles riders ages 21 and up can forgo a helmet while riding if they carry at least $20,000 in medical insurance on their auto insurance policy and have either passed a motorcycle safety course or had their motorcycle endorsement for at least two years. Passengers who wish to go without a helmet must also be at least 21 years old and there has to be an additional $20,000 in insurance for the passenger. The result of an additional $20,000 of medical coverage on average will cost a rider $200 or more per year. So before you ride off into the sunset without your helmet give any Michigan Insurance Companies a call and get a quote for your new motorcycle coverage.