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Winter 2020  Volume 16, Number 4        

This Just In ...

According to the National Highway Traffic Safety Administration, helmets saved the lives of 1,872 motorcyclists in 2017 (the last year for which complete helmet data is available).

If all motorcyclists had worn helmets, an additional 749 lives could have been saved. Helmets are estimated to be 37 percent effective in preventing fatal injuries to motorcycle riders and 41 percent for motorcycle passengers.

Helmets are critical to motorcycle safety. They are by their nature far less crashworthy than cars. They are also less visible to other drivers and pedestrians and less stable than four-wheel vehicles. When you operate a motorcycle, you use a different combination of physical and mental skills than when driving four-wheel vehicles. Motorcyclists and their passengers are more vulnerable to the hazards of weather and road conditions than drivers in closed vehicles.

According to the NHTSA, in 2017 motorcyclists were 27 times more likely than passenger car occupants to die in a crash per vehicle mile traveled.

NHTSA also found that nearly $3.5 billion in economic costs and $21 billion in comprehensive costs were saved in 2017 when riders used motorcycle helmets. Moreover, if all motorcyclists had worn helmets in 2017, an additional $1.5 billion in economic costs and $8.9 billion in comprehensive costs could have been saved.

Economic costs include lost productivity, medical costs, legal and court costs, emergency medical service (EMS) costs, insurance administration costs, congestion costs (including travel delay and other costs), property damage, and workplace losses. Comprehensive costs include economic costs plus the valuation for lost quality of life.

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In this issue:

This Just In...

Insurers Handling More Auto Claims with AI

Do You REALLY Know What's in Your Homeowners Policy?

Are You Insuring Your Home to Value?

Why Do People in Horror Movies Never Have Insurance?



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