THURSDAY, MARCH 8, 2012
It's a historical fact that motorcycle helmets save lives. Yet, so many people ignore this. Too many bikers ride without wearing a helmet, not realizing the enormous risks that they are taking. In addition to protecting the rider, helmets add up to the overall driving safety, a score that is very important to insurance companies. In that sense, wearing helmets will not only save your life, but it can save you money when buying motorcycle insurance.
 How Can Helmets Save Lives?
A great majority of road accidents involve motorcyclists. The ones who suffer the most serious injuries are often the riders who don't wear helmets. Why is that, you ask? It seems quite obvious that the helmet offers very limited protection. After all, it's not a full body armor that will prevent you from breaking a limb if you get thrown off a bike.
But here's the thing about motorcycle accidents: A lot of these accidents occur when the motorcycle goes on a full or partial collision with a larger vehicle. As a result of a direct contact at a great velocity, the rider usually gets thrown away from the bike. This can result in serious physical injury. With proper medical attention the rider can often recover from these injuries. But injuries to the head are what cause the majority of deaths in motorcycle accidents.
That's how helmets save lives. Even though a helmet cannot prevent broken bones and other injuries after a serious fall, they help protect the head from suffering trauma.
How Does This Affect Insurance?
Vehicle insurance, especially motorcycle insurance, is greatly affected by the risk factors that the driver faces every time he ventures in the open streets and highways. Needless to say, insurance companies take these factors into consideration when deciding on the cost of insurance premiums, in order to provide the best protection to their customers.
How to Choose a Helmet
When choosing a motorcycle helmet, consider a full-face helmet with a visor. This type of helmet will provide you with the best protection for your head and eyes. Helmet manufacturers over the past years have made it easier and more popular for riders to wear helmets by introducing new colors and designs. Additionally, helmets today are made of new lightweight materials making them much more comfortable to wear than the heavy and cumbersome helmets of the past.
When considering a new helmet, make sure to look for the DOT or SNELL sticker inside or outside the helmet. The sticker means that the helmet adheres to the safety standards of the U.S. Department of Transportation (DOT) and/or the Snell Memorial Foundation, a not-for-profit organization dedicated to research, education, testing and development of helmet safety standards.
By Matt Reynolds - Google+
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