Very common way to fall is to lose control of the bike. Jack knife the forks and go down. Younger the rider (pre teen) or inexperienced the more likely that is to happen.
In a CG or elsewhere could be caused by any sort of distraction, dog, car, pot hole etc.
You or the kid fall, 999 times out of a 1000, no big deal, you get a little road rash, or maybe sprain something. But that one time, there is a big rock on the side of the road and you or the kid wack their head on it, now you have a life changing injury
Then all this talk, about lawyers and rules is going to seem pretty meaningless.
I respect any one's right not to wear a helmet. But to me it just seems to be a poor choice. But that is just me.
And I do understand it is all about probabilities. But, could be the 999th time you or the kid fall, or the first time you or the kid fall.
Wearing a helmet, just seems to me at least such an easy cheap way to eliminate that risk, no matter how slight. But to each his own
Same could be said for seatbelt use, been driving 40 plus years, like many of you. Been in a few minor accidents. Where seat belt did not do much. But that one time, Drunk crosses the center line hits me head on. Me, just wrong place wrong time. Could never happen again or to anyone else But I was sure glad to have seat belts and airbags. Same Idea I think with bike helmets.