Motorcyclists are more vulnerable on the road, according to the Insurance Information Institute (III). They also have higher chances of winding up in an accident than other drivers. In spite of this, Illinois remains one of the three states in America, alongside Iowa and New Hampshire, that doesn’t enforce the use of helmet among motorcyclists.
The Effects of No Helmet Use Law
In Chicago, motorcycle insurance can provide the coverage you need should you get involved in a fender-bender. A helmet, on the other hand, may reduce your risk for severe head and brain injury because it may minimize the impact of a collision or force to the head.
In 2017, there was a 5.6 percent decrease in the motorcycle fatalities across the U.S., with an estimated 4,990 deaths. The nationwide numbers may be dropping, but the figures in Illinois are on the rise.
Motorcycle fatalities in the state went up by 5.2 percent. From 154 fatalities in 2016, there were about 162 deaths in Illinois in 2017. Not wearing protective gear, such as a helmet, contributes to the rising figures in the state.
Efforts to Encourage Helmet Use
Some motorcyclists in Chicago are still responsible enough to use a helmet when driving, even without state law. The 2017 Motorcycle Helmet Usage in Illinois Study proves this, revealing that the city had the highest helmet usage rate at 51.1 percent.
How is the state encouraging helmet use despite the absense of a law?
Illinois carried out a “Start Seeing Motorcycles” campaign in a bid to reduce motorcycle accidents. The state also declared May as “Motorcycle Awareness Month” to further educate motorcyclists about gearing up and riding smart on the roadways.
The Illinois Department of Transportation implemented all these as key reminders for motorcycle riders. As a motorcyclist, it’s your responsibility to:
- Wear a helmet, even without a law enforcing it
- Put on high-visibility clothing
- Drive sober
- Stay out of the blind spots of vehicles
- Safely pass other vehicles on the road
- Follow the minimum of three-second following distance while riding behind another vehicle
The need for helmets isn’t just to keep you alive; it may help you recover damages for injuries to the head. Wearing your helmet may not be the deciding factor to your injury claim, but it shows you’re a responsible motorcyclist. It could also indicate the negligence of the other driver. Insurance companies may also take helmet use into consideration. For example, if you were not wearing a helmet and sustained injuries during an accident, you may have to prove to the insurer that you would still have been injured even with a helmet.
Keep in mind that you’re not just protecting yourself when you’re on the road; you’re also protecting the lives of other drivers and pedestrians. But to further protect yourself when you’re out riding your motorcycle, you need motorcycle insurance.
Added Protection With Motorcycle Insurance
Motorcycle insurance gives you the confidence and the protection you need when on the road, especially if you get involved in an accident. At Oxford Auto Insurance, you can choose from our competitive rates on different kinds of motorcycles. We offer:
- Full coverage
- Medical payments
- Roadside assistance plans
Talk to us today for your motorcycle insurance needs.