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I don't agree with mandatory helmet laws, except for those under 18.
That said, I do agree with seat belt laws. In the event that a crash occurs, a locked seatbelt can help you remain upright in a position where you can still have some control of the vehicle. This gives the driver the opportunity to control a skid or navigate his/herself out of the way of fellow travelers. If you aren't wearing one, it's much easier to be shifted out of your seat, or pop your head on the steering wheel. This would leave the car without directed control, and would increase the danger to the passengers of your vehicle as well as others.
Seat belt laws help more than just the people who wear them. As for helmets, I don't drive a bike so I'm not sure if there's any comparable justification. Seems like if you're in a situation where the helmet is useful, you're probably no longer in control of the bike.
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