Let's delve into the "who pays" portion.
According to the last audit of the MCCA, of which I have a copy, Michigan motorcycylists left 1.8 million dollars in the fund after all claims were paid.
This audit is old and needs to be updated. Unfortuneatly all attempts through legislation to audit the MCCA have been unsuccessful for the past five+ years.
It has been shown in testimony that Michigan motorcyclists pay more than their "fair share" into the MCCA.
While most folks pay into the Fund for only their cars, I myself, pay into the fund 4 fold. 1 truck, 1 van, 2 motorcycles.
It was stated earlier that if you are in a "single vehicle" accident, helmet or not, you are not covered by the MCCA.
Let's be perfectly clear here. The MCCA fund is not for the purpose of the individual.
It is a re-insurance fund for the insurance companies. We just fund it.
No insurance company selling insurance in Michigan can get re-insurance because no one will cover them.
Because Michigan has no limit which can be sued for in medical damages in the event of a accident/crash.
This does not allow the insurance companies to project with any certainty their future liabilities.
So...since the voters of Michigan have decided to play the injury lottery we are stuck with the MCCA.
If you look at the "declarations" page of your auto/motorcycle policy you will clearly see what you are paying to fund this pool of money for the insurance companies. The average is around $125.00 per vehicle. Multiplied by all of the registered vehicles in Michigan this equates to a boat load of money!
As of now insurance companies are required to cover costs with money from the fund after your injuries exceed $450K. Eventually the goal is to raise this to $1 million.
In the not too distant future the MCCA assessment may exceed the value of the car/motorcycle being insured!
This will lead to many more folks driving with no insurance at all.
As it stands now...Michigan motorcyclists pay MORE than their fair share.
Also, according to organizations like "Heads First" and the insurance industry itself auto accidents are the LEADING cause of head injuries in Michigan.
So, how about a helmet law for CARS?
After 10 years of intimately dealing with this issue and 26 years in the motorcycle industry I can say this with the utmost of confidence.
This comes down to the "majority" using it's force to bear down on a minority of other wise law abiding citizens for their percieved "own good".
If this was about safety people like Jenifer Granholm would not try to sieze the money generated by motorcyclists for motorcycle rider training. If this was about safety more funds would be made available for driver and rider training to help avoid the crash in the first place.
The focus should be on safer driving and riding and not about better CRASHING!