Agreed, dead is dead. But financially it may make a difference. See
http://www.cyclistsdefencefund.org.uk/cycle-helmets-and-contributory-negligence/recent-cases
Which states " in common with many others, routinely proposed a discount for a failure to wear a cycle helmet".
As you would expect, and some accept the discount. Others don't.
I checked that link and what I found was: (my boldening)
"He quotes a neurosurgeon witness he has utilised who states ‘Most experienced trauma surgeons believe that cycle helmets give only very limited head protection’. Simon Holt also adds that it is his ‘experience that the
defendant’s solicitors are abandoning allegations of contributory negligence for failure to wear cycle helmets........."
also (my boldening)
"Interestingly the scientific view seems to be paradoxical. For example, it is clear that the road users most at risk from head injury are pedestrians and young drivers, and not cyclists. In Great Britain, six times more pedestrians and eighteen times more motor vehicle occupants suffer lethal head injuries than cyclists. Children are 2.6 times more likely to suffer head injury through jumping and falling than by cycling, and more than 99 per cent of head injuries seen by UK hospitals do not involve road cyclists.
It would therefore seem logical that helmets for motorists would be rather more effective than those for cyclists, and certainly more beneficial than seat belts, interior padding or air bags. The potential of car driver helmets for reducing injury is 17 times greater than that of cycle helmets"
Like you, Arsen Gere, I have been highly selective in my first quotation.
The second one is material quoted in many places, no need to be selective with that.