Insurance Journal’s Top 10 Most Read Stories of 2020: Midwest Region A new law took effect Aug. 28 in Missouri that exempts motorcycle riders who are at least 26 years old the requirement that all motorcyclists wear helmets. Riders who choose not to wear a helmet will need health insurance coverage. Under the new law, police can’t pull over motorcyclists just to check if they’re following helmet laws. Rep. John M. Rogers, District 60, and Rep. Jeffrey Crossman, District 15, two Democratic state representatives in Ohio in April introduced a bill in the General Assembly that would require insurers that provide business interruption insurance to cover losses that arise from viruses and pandemics, regardless of whether their policies contain exclusions for such risks. House Bill 589 would have been in effect only during the state of emergency ordered by Gov. Mike DeWine on March 9, 2020, in response to the COVID-19 pandemic.