Helmets are designed to decrease not prevent head injuries. They are tested to the equivelent of a five foot fall. Inertia or speed is not considered a factor. That five foot fall is reported to be the equivelent of 13MPH. That's all. Which is what the HURT study tested to and DOT requires. Study after study confirms that there is very little...less than one percent difference in head injuries between states that do and don't require helmets. I would suggest a rider safety class if you fell while not really going very fast.
And yes....HELMET LAWS SUCK