Motorcycle injuries are expensive because they tend to be very serious and are typically awarded higher damages for pain and suffering beyond damages for actual medical costs or lost wages, where allowed by law.
Low Impact Automobile Crash Data
Despite the validity of your claim, motorcyclists face an obstacle in the public perception that they are reckless drivers. It is important to address (and overcome) these negative prejudices. An insurance adjuster or opposing attorney may try to suggest that you at least share liability in causing the accident, and may try to put you on the defensive.
In other words, regardless of whether there is a helmet law, if you didn’t wear one, they may try to paint a picture of you as being careless and contributing to your injuries.