If you are over 21, you do not have to wear a helmet, if you have insurance coverage of at least $10,000 in medical benefits for injuries resulting from a motorcycle accident. You may already be covered by personal injury protection insurance, medical insurance, Medicare, Medicaid or veterans' medical benefits. However, insurance polices can be hard to interpret. Therefore, you should contact your medical insurance provider to find out if you have at least $10,000 in medical benefit coverage for injuries incurred as a result of a crash while operating or riding on a motorcycle.