Helmet laws vary by state. In some states, all riders must wear helmets, while others mandate helmets only for certain riders (e.g., those under a specific age).  In Florida, all motorcyclists under the age of 21 are required to wear helmets when riding on public roads. Regardless of age or insurance, all riders must wear protective eye gear like goggles or a visor. Not wearing a helmet, where it's legally required, can impact your insurance claim.  Even if you're in a state without a helmet law, insurers might reduce compensation, arguing that injuries could have been less severe with helmet use.