Florida law states that bikers don’t need to wear helmets if they’re over the age of 21 and carry at least $10,000 of medical coverage to assist with any medical bills brought on by their decision not to wear a helmet. Both drivers and passengers under age 21 must wear helmets, as required by federal law. Helmet use doesn’t change the other driver’s liability in an accident. Even if you decided not to wear a helmet while riding your motorcycle, if the other driver caused the accident, you can still claim the same compensation.