Traffic Safety - As introduced, creates a four-year pilot program, during which drivers and passengers 21 years of age or older are exempt from the requirement to wear a crash helmet while operating or riding on motorcycles, motor-driven cycles, and motorized bicycles, if the person is covered by health or medical insurance other than insurance through TennCare; during the pilot program, makes a violation of the helmet law a secondary offense. - Amends TCA Section 55-9-302.