As mentioned before, Indiana has no helmet law for licensed riders over 18. You do have to wear one with a permit or under 18. I ALWAYS wear my helmet. As good as a breeze through the hair feels, asphalt through the scalp is not as refreshing. I am kind of an "imagine the worst case scenario", safety kind of person by nature. My job as an EMS helicopter technician also lets me see and hear about all of the bad things that can happen or be made worse without a helmet... like the guy we flew that was on his way home from work one morning after third shift, on his hardley, without helmet, and a deer hit him. He was obviously bad enough that ground transport to the nearest trauma center was not an option. The "I'm a safe rider" excuse is crap. It is about all of the things that can happen around you. My medical crews, let alone my wife, would not let me ride without one, even if I did want to.