Florida's helmet law is somewhat complex. Generally, it requires all motorcycle operators and riders to wear helmets. The helmet law, however, does not apply to operators or riders over 21, so long as the person is covered by an insurance policy providing for at least $10,000 in medical benefits for injuries incurred as a result of a crash while operating or riding on a motorcycle.The helmet law also does not apply to any person 16 or older who operates or rides on a motorcycle powered by a motor with a displacement of 50 cubic centimeters or less or is rated not in excess of 2 brake horsepower and which is not capable of propelling the motorcycle at a speed greater than 30 miles per hour on level ground.All motorcycle drivers and riders, regardless of age, are required to wear eye protection. Anyone who rides in an enclosed side car is not subject to Florida's helmet or eye protection laws.