There is a common misconception that all Wisconsin motorcycle riders are required by law to wear a helmet. Though state law requires some motorcyclists to wear a protective helmet, the average rider does not have to wear one. Learn more from the professionals at Johnsen Insurance, serving Baraboo, WI, and surrounding areas.
Wisconsin Motorcycle Helmet Laws
The state of Wisconsin requires those under the age of 18 who are motorcycle riders or passengers on a motorcycle to wear a helmet. Moreover, the state also requires those who have an instructional permit, as opposed to a license, to wear a helmet.
If you are a licensed adult motorcycle rider over the age of 18, it is your decision as to whether you wear a helmet or not.
Motorcycle Insurance and Helmets
In the event of an accident, your coverage will likely apply even if you are not wearing a helmet. As long as you and your passenger are over the age of 18 and you have a Wisconsin motorcycle license as opposed to an instructional permit, you’ll likely be covered.
However, if it is proven that you were under the age of 18 at the time of the accident, your motorcycle insurance policy might not be applicable. Moreover, if it can be proven your passenger was under the age of 18 at the time of the accident, the entirety of your coverage might not apply.
Furthermore, if you didn’t take the extra step of getting your Wisconsin motorcycle license after obtaining an instructional permit in Baraboo, WI, your insurance coverage probably won’t apply.
Of course, if you are riding your motorcycle outside Wisconsin, that state’s helmet laws will apply to you, so know the rules when you drive across state lines.
Additional Considerations
There is a chance that the insurance company will make a failure to mitigate argument. If the insurer insists the accident injuries wouldn’t have been as severe had you been wearing a helmet, there might be an attempt to reduce your financial compensation.
However, in general, if you are over the age of 18 and properly licensed, your coverage will likely be applicable in the unfortunate event of a motorcycle accident in Wisconsin.
Contact Johnsen Insurance for a Quote
Are you considering buying a motorcycle in or near Baraboo, WI, or already own a bike? We have your insurance needs covered. Give us a call today for your customized quote.
