Even if my head is fine after a crash and my leg is screwed up, if I wasn't wearing a helmet the other insurance company would have a good argument for dismissing the charge because I didn't "mitigate my damage" by wearing a helmet or using a seatbelt. I've been screwed by enough insurance companies that I guess I just want to afford them no weaseling out of things. Also my grandpa died when my mom was little because he wasn't wearing a helmet, it goes from zero importance to lifesaving real fast.