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What That Means You can recover damages if you are less than 50% at fault Your compensation is reduced by your percentage of fault How Insurance Companies Use Helmet Arguments Even without a helmet law, insurers may claim: Your injuries would have been less severe with a helmet You were partially responsible for your injuries Important Legal Reality Courts in Illinois generally recognize: There is no legal duty to wear a helmet Failure to wear one does not automatically bar recovery However, it can still be used as a damage-reduction argument

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