Now is not the time to wonder if your insurance policy has motorbike insurance compensation. It's too late once you've had the accident. You want a company that will serve you well. Several states require helmets for the motorcycle driver and their passengers so there will be fewer injury claims and fatalities. Several states have laws covering only the riders and 3 states have no helmet laws at all. Many states with motorcycle helmet laws are repealing them.
NHTSA (National Highway Traffic Safety Administration), reports that 65% of motorbike injury claims and fatally injured riders in 2006 were not wearing helmets compared to 13% in states that have rider helmet laws. The largest increase in motorcycle fatalities from 2006-2008 was in the age group 50 and above. The group still having the largest percent of fatal crashes was in the 20-29 year age range. 27% of those who died in vehicle accidents with a blood alcohol level of .08 or more were on motorcycles.