I lived and rode (with a helmet on) in IL for years, paid a bunch for insurance.
I moved to PA where they had a helmet law and my insurance dropped dramatically. I enjoyed that briefly and then PA dropped its helmet law. My insurance jumped right up to IL levels. Seems to me I have been paying for these dumb phucks if they crash or not. It sucks, it pisses me off, and I totally agree with people who have suggested some sort of extra waiver/ sticker or license plate frame or the like to indicate that they should receive no medical help save what is needed to harvest their organs. Oh, and the helmet-less should be mandatory donors.
I know we are always toeing the line of too much gov't intrusion & have wildly stepped over in some matters of gun control and home alcohol preparation . . . but helmets do need to be worn & culture needs to step up and make it happen or the law will be forced to.