Report Big Ben in Motorcycle Accident in Sports Talk Posted June 13, 2006 If your insurance is higher because I sometimes choose not to wear a helmet, you need to have a discussion with your insurance company. My rates are pretty reasonable, mostly because I have a clean driving record, and have established myself as a good risk over the years. If you honestly believe that your insurance company treats you as an individual rather than anything other than a set of parameters nothing I say to you is going to convince you otherwise. But trust me, you are a series of checkboxes and multiple choice questions nothing else. As a long time rider, I'd say that more important than a helmet are boots, jacket, pants, gloves, and good eye protection. Helmets <snip> increase the likelihood of neck injuries in an accident. Well, I think here we'll just have to agree to disagree. I agree that boots, proper jacket, pants, gloves and eye protection are imporant but as to the likelihod that a helmet will make a crash worse you have to ask yourself, would you rather have a neck injury or brain trauma?