Thanks for all the replys, but "Where's the Beef?" I thank prathman for setting me on to this a while back, and still nobody's delivered. I think the helmet requirement by bike clubs has done more harm than good. That's not saying that helmets don't usually work as designed, in the rare event that one makes a real difference, and many should probably be wearing them, but this "everybody, everywhere and always" is just plain WRONG.
A few laws get passed by left wing members of the PC idiocracy and lawyers start warping what can be considered "normal, reasonable precaution". Right. Then comes the fourth grade demonstration of gravity with a watermellon in front of all the Oprah watching Soccer Moms with no knowledge of or interest in statistics, much less risk analysis.
This "insurance requirement" excuse seems to be a meme. The rug under which bike clubs sweep their broken arguments for the need of helmets on "everybody, everywhere and always".