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Friday, February 5, 2010

Helmet Laws Affect Insurance Rates In States As Well As Causes Debates

Helmet laws affect insurance rates in states on many different levels. For example, the way helmet laws affect insurance rates in states like Louisiana is impacted when anyone over the age of 18 chooses not to wear a helmet and is required by law to be allowed at least $10,000 for bodily injury by their health insurance policy. Helmet laws also affect insurance rates in states that require people of all ages to wear their helmet on their motorcycle at all times.

Looking at statistics, it is understandable how helmet laws affect insurance rates in states around the country. For instance, in Louisiana where the law does not require helmet use for people over the age of 18 helmet use drops each year at an alarmingly high rate.

For those who feel that there is little reason why helmet laws affect insurance rates in states around the country, the leading cause of death in motorcycle crashes is head injury. It is estimated that fatalities in motorcycle crashes could be reduced by almost thirty percent if people on a bike are wearing helmets.

One of the reasons that helmet laws affect insurance rates in states around the country includes the results from a recent study by The Crash Outcome Data Evaluation System. This study discovered that motorcycle helmets are 67% effective in preventing brain injuries.

A person who is not wearing a motorcycle helmet is 40% more likely to have a fatal head injury and 15% more likely to have a nonfatal injury than a person who wears a helmet while riding their motorcycle. These statistics alone can help people to understand how helmet laws affect insurance rates in states all over.

Almost eleven thousand people are estimated to have survived motorcycle crashes because they were wearing motorcycle helmets at the time between 1984-2001. If everyone was wearing helmets during this time, the way helmet laws affect insurance rates in states might be significantly different.

While many are concerned with how helmet laws affect insurance rates in states around the country, it is even more important to consider how many lives would be impacted if helmets were required by law in all states. It would also be interesting to consider how helmet laws affect insurance rates in states that require a helmet and how much money might be saved.

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