What are the consequences of riding without a helmet in Missouri?

Riding without a helmet in Missouri can significantly increase the risk of injury in the event of a motorcycle crash. Helmets are essential for protecting the head and reducing the severity of injuries. Additionally, if a rider is not wearing a helmet, this can affect insurance claims. Many insurance companies may view the decision to ride without a helmet as a factor that contributes to the degree of injury sustained during an accident. This could lead to reduced compensation from the insurer or increased scrutiny regarding liability in the event of a claim. In essence, while riding without a helmet may be legally permitted under certain conditions, it carries risks that can have serious implications for safety and financial matters.