I do not believe in helmet laws or seat belt laws. People should have the right to be as stupid as they choose. However, insurance companies should not have to be liable for claims based on acts of stupidity (because the insuror then just passes the cost of one client's stupidity along to the others). Besides, there's lots of decent folk in need of transplant organs, and too few donors to go around.
That said, that she was not wearing a helmet does not of itself prove that her failure to wear one contributed in any way to her death. Her proximate cause of death was falling to the tarmac after being struck by a car, not the fact of not wearing a helmet. The Guardian article stipulates that the Sheriff -- whose opinion appears to be the sole basis for the shared liability claim -- is not an expert in accident reconstruction. Nor is there any indication he knew/knows the cause of her death, specifically whether it was brain or brain stem damage. The victim held on for two days, which is a significant fact because that is the typical length of time the kidneys require to shut down after a serious blow to the abdomen. And a fall from a bicycle onto macadam could be considered a serious fall for a 75-year old woman.
It would be just as logical -- and much more likely -- to argue that her age was a contributing factor in her death. She never should have lived so long to grow old and frail, that's fair begging for trouble. Not to mention, if she'd died 10 years ago, this accident never would have happened.
