that adults should be able to assess the risks of their own behavior and make their own decisions as to how to deal with those risks. The new law, however, has opened a new dispute concerning liability for injuries suffered while riding motorcycles without also wearing a helmet. Insurance companies are pressing an argument that they are not liable for the cost of treating head injuries suffered by individuals riding motorcycles while not wearing helmets. This argument is not a trivial dispute between insurers and motorcycles. It also affects health care institutions that may find it necessary to provide required treatment for trauma injuries without any certainty that they will be co
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