-A person suffers an injury that (in this instance) may very well have been avoided had they used the proper protection regardless of what the law states.
-Another person uses the proper protection but still suffers an injury equal to the guy above (I don't know why. Use your imagination).
Should the guy below get a discount in the hospital?
Should the guy above have to pay a bit extra?
Nobody should be turned away from a hospital and I doubt that it will ever be that way but still, it's a large subject containing plenty to discuss. More importantly, those who go without protection (for whatever reason) are setting an example for other people/younger generations who may, due to the wrong influence, get themselves killed one day just like the protesting NY biker did.
This thing could go to a whole new level with some other examples.