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Yeah, it's because it came in two steps. First came a straight helmet law (gotta wear it) - I think around 1997 or 98, not long after I moved to Florida. Then about 3 years later the tourism industry (Daytona bike week fills a lot of hotels and restaurants with people that hate helmets) successfully lobbied and had another section added to the vehicle code with the exception waiving the helmet requirement for over 21 with insurance.
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