Motorcycle Accidents in Downriver: Michigan’s Helmet Law and Your Rights

Introduction

Riding a motorcycle through Downriver — along Jefferson Avenue, Fort Street, or Telegraph Road — offers freedom, but it also comes with risks. Unfortunately, motorcycle accidents often result in some of the most serious injuries we see.

Michigan’s helmet law, first changed in 2012, continues to shape injury claims in 2025. Whether you ride with or without a helmet, understanding your rights under the law can make a significant difference in your recovery after a crash.

Michigan’s Helmet Law Explained

• Over 21 riders may ride without a helmet — but only if they:

  • Carry at least $20,000 in medical benefits coverage, and

  • Have held a motorcycle endorsement for 2 years or more, or have completed an approved safety course.
    

• Under-21 riders must wear helmets.
  

• Passengers under 21 must also wear helmets, regardless of the driver’s choice.
  
  

How Helmet Use Impacts Accident Claims

• No-Fault benefits: Regardless of helmet use, riders may still access medical benefits under Michigan’s No-Fault system (subject to policy limits).
  

• Liability claims: Not wearing a helmet can complicate pain and suffering claims if the insurance company argues injuries were worse because of the helmet choice.
  

• Medical costs: Riders without helmets may face larger gaps in coverage, making UM/UIM (Uninsured/Underinsured Motorist) coverage especially important.
  
  

Downriver Motorcycle Crash Risks

Downriver roads present unique challenges:

• Fort Street & Telegraph: High-traffic corridors with frequent rear-end and left-turn collisions.
  

• Jefferson Avenue along the river: Scenic, but with uneven pavement and distracted tourist traffic.
  

• I-75 interchanges: Dangerous merges where motorcycles can be overlooked by larger vehicles.
  
  

What to Do After a Motorcycle Accident

1. Call 911 and seek immediate medical attention.
   

2. Document the scene — photos, witness info, and helmet use (or proof of legal exemption).
   

3. Notify your insurer as soon as possible.
   

4. Consult a local attorney — especially if the insurance company challenges your claim based on helmet use.
   
   

Final Word

Motorcycle accidents in Michigan can be devastating — but whether you wear a helmet or not, you still have rights. Our Downriver attorneys understand the law, the roads, and how to fight for the full compensation you deserve.

📞 Contact Downriver Injury & Auto Law today for a free consultation about your motorcycle accident case.