My brother worked at and insurance company as an intern. The reason for the seatbelt it because it saves the insurance company from paying more if the person were to go through the windshield and cut up their face ect. As for the no helmet, an insurance company would rather someone lay down their bike and die than have to pay their bills. Plus IMO a helmet wont do shit if you go down at 45MPH.
But as for the ticket, that is :bs: