Sparky:
2 people in the hospital as a veggie:
1 - A biker that did everything reasonable to protect himself, like wearing his gear, ride defensive, etc.
2 - A biker that's an idiot and does not of that and caused himself to become a veggie
Who'd you rather pay for?
People have the God given right to be an idiot, but not at the expense of others. Americans always have their mouth full of 'freedom', but sometimes you forget what that means. Freedom is not saying or doing anything you damn well please, regardless. Freedom means being able to think, say or do what you want WITHOUT limiting others to do the same thing.
If you pay your insurance and what not and do everything reasonable to prevent getting hurt, you have every right to be taken care of for as long as you need it.
If you however act with complete disrespect for your own vulnerability and basically being a total idiot, or you are not paying insurance and you end up in the same situation, we live in a society that will not just let you die at the side of the road. It will take the bill and pay for it. However, if society has to pay for your stupidity or unwillingness to pay for your own help, society also has the right to demand certain actions or measures to limit the financial burdens put on society. And those measures can be helmet laws or seatbelt laws. And that is not limiting personal freedom of someone not wanting to wear a helmet, that is preventing a limitation of personal freedom for the one that does.