Sorry bud, but in my opinion you need a helmet when on a bike. Seriously, who really cares if it is made law - a helmet is a no brainer when riding!! I would be dead if this was not a law down here because I would have chosen to ride without a helmet if permitted when I first started out - I have come off a couple of times and my old helmets have the scars which my head would not have been able to show!!
Is it really that important that someone tells you what to do??
I never said one didn't need a helmet, just that I don't want a dumb politician telling me I have to wear one. I would also probably be dead or seriously injured without a helmet. Hit a road repair section that twisted the front end and boom, I was down rolling on the pavement. After getting my wits, I notice a huge gash on the front forehead area of the helmet.
Anyway, the law in Michigan also stipulates that you must be 21 or older, additional insurance as stated, and an additional sticker on the bike denoting that you're approved by the state to do so. Maybe I should call it "a stupid sticker".
I will always wear a helmet!