Well I am not familiar with Canadas rules and regs, but it is legal in Pa. I believe I could make the arguement that me and my melon crashing at 60mph would probably not cost the ins co very much at all, where as the guy with the helmet may survive and cost the ins co a whole lot of $$$$$ patching up his body. What happens if the guy with the helmet is speeding? too fast into a corner? does he smoke? drink? overweight? exercise, on the phone, texting, not paying attention, does your ins co refuse to pay for all those choices?
I usually try to stay out of these helmet topics for this very reason, unfortunately I allowed myself to get sucked in, I said my 2cnts. Hope everyone enjoys their weekend.
Craig