Key Takeaways Riding without a helmet does not bar recovery: liability still depends on who caused the crash. Indiana does not require adult riders to wear a helmet, which limits how insurers can argue negligence. Helmet non-use may affect the damage calculation, not the question of who caused the collision. Insurers may use helmet non-use to reduce settlements: knowing this tactic early makes a difference. Medical evidence decides how helmet non-use affects a claim: causation, not assumptions, drives the outcome. Riding a ...
