That is just the problem with insurance companies or any other big bidness, they are only worried about there bottom line and how much profit margin they can make. Insurance companies were originally put together to shoulder the brunt of one individual having a loss and put the loss amongst other policy holders so the rates would not go through the roof. Someone got the big Idea to make states require us to have insurance, there still are people that do not carry insurance. So the Insurance companies got the states to mandatory insurance and now they just raise rates because they know people that want to be legal and have insurance are going to carry insurance instead of going to jail or losing your liscense or a big fine. Helmet laws are not the most important item out there, the right to ride would be first, maybe it is because of people not wearing helmets that caused insurance companies not to cover recreational riders!