Whether motorcyclists are required to wear a helmet or not while riding can vary by state, and the decision to wear or not wear protective gear can also have insurance consequences as well. As a general safety rule, it is always best to wear a helmet and protective equipment to minimize the chances of injury or death while operating a motorcycle in Myrtle Beach, SC.
South Carolina’s helmet laws
Any motorcyclists who are under the age of 21 are required to wear a helmet at all times while operating a motorcycle or riding as a passenger. Once the person reaches the age of 21, they can choose to no longer wear a helmet without violating any traffic laws. Any helmets that are worn must meet the state department of transportation’s requirements, which include a chin strap and reflectors on the helmet’s sides.
Most riders will want liability and collision coverage that will protect them financially if they are ever involved in an accident. An agency such as Benefit Insurance Services can provide this protection. If a cyclist is injured in an accident when they were not wearing a helmet, they may be considered partially or completely at fault for their own injuries as a legal matter. This is because most jurisdictions in the U.S., including South Carolina, have negligence laws that allow a defendant to be relieved of liability if the person suing them is partially or mostly at fault for the accident and injuries.
Learn more about motorcycle insurance from an agent
There are agents who serve the Myrtle Beach SC area with guidance related to choosing a policy and learning about coverage. Benefit Insurance Services has professionals ready to speak with you about any of these concerns.