Just this week, guy I work with's son bit the concrete not wearing a helmet. front wheel came off (not going there). Called 911 himself. Ride to hospital, 12 stitches in forehead, 4 in one ear, face rash, etc. No telling what it will cost. Saw a picture of him, he was beat to he!!. I know the bike helmets don't cover much on your noggin, but in this case all of the stitched up areas would have been protected. You never know when you need one, so I'll just continue to look silly wearing mine.