Insurance companies exist to make a profit, not to do what’s best for claimants. While only motorcycle drivers under the age of 18 are required to wear helmets, not wearing one could still affect your claim in other states. In Arizona, however, motorcyclists aged 18 or older cannot be found negligent because of their decision not to wear helmets.
Motorcyclists over 18 can still seek compensation from the party who caused the accident, even if they were not wearing a helmet. Even if the defendant tries to argue that your injuries would have been less severe with the use of a helmet, this does not matter under Arizona law. The liable party will not get out of paying what you are owed just because you weren’t wearing a helmet.
There is an exception for cases involving motorcyclists under 18 who were not wearing helmets. In this case, the at-fault party may be able to argue that the victim failed to mitigate possible damages by not wearing a helmet. This may lead to some of the blame for the accident being placed on the victim.