While it is undoubtedly recommended to wear a helmet while riding a motorcycle, in Oklahoma, helmets are only required if the driver is under 18. Given that insurance companies have an incentive to minimize payouts to maximize profits, they will often try to shift blame to the motorcyclist if they were not wearing a helmet. However, remember in this instance that the law is on your side, and you were not breaking the law by riding without a helmet if you were over 18 at the time of the crash.