[mrlmd1]

What I was getting at was that with the kind of litiginous society we live in where everyone wants to make a quick buck by suing everyone else for negligence or whatever (like if you had on a helmet and you didn't provide one for her safety and protection), that whatever could have happened, you really could have been screwed in a way you wouldn't have liked.
I used to go horseback riding with a girlfriend who owned 3 horses, and she made everyone riding one of her horses to sign a waiver or release absolving her of any injury or damages to yourself while on one of her horses, plus wear a riding helmet.
It's for your own protection as well as for the passenger.
Riders need some instruction before getting on the bike, so they don't do something silly and upset your balance or control and it shouldn't be taken casually. Just my opinion.