It is not only the rider that bears the cost of a catastrophic brain injury; it is the family. How will it affect the insurance premiums of the rest of the riding community should this result in increased payouts? Any industry attempt to surcharge someone based on a religious compliance would likely run into trouble. It may be private industry but it is regulated by the state which would likely trigger a Charter argument. I can foresee more insurance companies getting out of the motorcycle business. There are several US states that have helmet exemptions. In some cases, you can be exempt if you carry a certain level of personal liability insurance. I can't recall the amount of the State I was in but it was laughable low, particularly considering US medical costs for services involved in long-term brain injury.