“Do I have to carry medical coverage on my motorcycle to ride without a helmet?”
Yes, you have to carry at least $20,000 per person of medical coverage on your motorcycle if you, a passenger, or both intend to ride in Michigan without a helmet. This is in addition to the $20,000 liability coverage you must carry. Remember, you also have to be 21 or older to ride on or drive a motorcycle without a helmet in this state. There is also a requirement that the driver has at least two years of experience with a valid motorcycle endorsement on his or her operator’s or chauffeur’s license, or that you pass a specific safety course before you can qualify to ride without a helmet. Effective April 13, 2012.
Source: MCL 257.658(5)