Thursday, February 22, 2007

Helmets Protect - All

Last week all newspapers reported the decision of the State Government of Tamil Nadu to make wearing of Helmets compulsory while riding two wheelers in the Corporations of Chennai, Coimbatore, etc. This rule would be applicable to both the driver and the pillion rider. See report.

This report was followed up with another report quoting the high incidence of head injury cases in the government hospitals in Chennai. To be precise, it reported 70 to 90 head injury cases every day of which 90% was of road accident cases.

So, it is apparent that the government has made it more safer for the two wheeler riders.

But apparently this blog talks of issues relevant to insurance. How is this issue relevant?

Simple, higher head injury results in larger third party claims and as such higher claims ratio. A lower claims ratio eventually has the result of reduction of insurance premium.

So a helmet protects all!!!


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