I agree, it's NOT cool. It's not required here in Florida and many people don't even bother with it. Personally I think it's silly to not have your shit fully covered. Like Iron said, the idea is to insure the money spent. At least that way if something unexpected did happen to your ride you'd at least be receiving a check to ease the pain. Should be a no brainer in my opinion.It's not cool the don't require it. Who's going to pay when you crash your bike into my car? Or me on my pushbike? If you want to play with others on public roads, protect yourself and others.