When are motorcycle operators not required to wear a helmet?

• When they are over the age of 18
• When they have a special permit
• When they are over the age of 21 and carry a medical insurance policy providing at least $10,000 in medical benefits for injuries
  Explanation:

  "Motorcycle operators are not required to wear a helmet if they are over the age of 21 and have an insurance policy that provides at least $10,000 in medical benefits for injuries incurred in a crash. However, all riders under the age of 21 must wear a helmet at all times."
• When riding in a helmet-optional state