Please give me a figure and proof that insurance costs have been lowered since the mandatory seatbelt laws.
Or helmet laws.
How much money do you save per year since you have given up your right to choose?
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How Much Money Have You Saved On Insurance Rates Because Of Seatbelt Laws?7 comments to How Much Money Have You Saved On Insurance Rates Because Of Seatbelt Laws? |
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Insurance companies will raise them any way possible.
Let’s not forget the heavy hand of state government in dictating the terms of your automobile insurance – they set the minimum coverages. They also force insurance companies to spread the risk so that poor folks in high crime areas (like Detroit, for us Michiganders) don’t have to bear the full brunt of their actual actuarial costs.
Plus there is the ever-increasing cost of all the lawsuits any accident brings.
nothing still the same.
I don’t know that I have saved money. And I have not given up my freedom not to wear a seatbelt. I guess I could go without, and/or fight the law.
But I WAS saved from serious injury when an 18-wheeler Mack Truck hit my two-seater.
I realize this is not the point of your question, but I think failing to wear a seatbelt is extremely foolhardy. The inconvenience of buckling up is so very minor, and the possibility of severe injury is real.
And there is exidence that drivers wearing seat belts are more likely to stay in front of the wheel and in control of the vehicle, therefore improving the safety of others involved.
Seat belts are not perfect. But overall one’s chances are much better with one than without one.
It’s all about saving lives, not directly about saving money. A North Carolina program recently combined safety belt checkpoints and driver/passenger safety belt education with systematic enforcement resulting in a compliance rate of 80% – preventing approximately 45 fatalities in the first 6 months. In comparison to secondary enforcement, standard enforcement is associated with higher rates of seat-belt usage (77% versus 60%) and greater fatality reductions (9.9% versus 6.8%). Most studies that fail to report protective associations between Mandatory Seat-Belt Utilization Laws (MSBUL) and mortality/injury are hampered by limited time periods of data collection and overly simplistic statistical techniques that are unable to separate the impact of the public policy intervention from other factors influencing accident rates and mortality.
An average financial cost of a moving vehicle fatality is in the neighborhood of $431,000, including primarily medical costs presumed covered by insurance. Assuming the reduction of 45,000 traffic fatalities per year in the US, that’s a savings of $19.4 billion per year in financial terms, which would be paid primarily by insurance companies from health insurance payouts, which are funded directly from premiums on insurance policies. Using the number of auto insurance policies as a proxy for vehicles in the USA (269.1 million), this implies an average reduction of approximately $72 per year per vehicle, which more or less corresponds to medical insurance premiums unpaid if you consider total US population at 301 million, adjusted for premium payers.
Bear in mind that while insurance rates may not have decreased, the inference that each person currently under policy should be paying $72 more per year in medical insurance premiums in the absence MSBUL is logically valid.
To the SGT——–You weren’t a first responder long , or were in very lucky situations. my brother in law couldnt get his belt off and ran down a steep cliff . He;s a para poligic now. Kids from our village were driven back home after hockey game . A head on . 6 in one car . 4 couldn’t realse their belts in the ensuing fire.
There is no money saved if you wear a seat belt . It’s a scam by the insurance companies that fits into the legislation, which is why you can’t sue them. It means that every ticket you get means the companies can raise your payment 20% and justify it due to the law. It’s B>S. and we all fell for it.
Most people shrug it off because they are naive or don’t know better.
As far as money, you have to also take in a bigger picture. Ask how much in health care costs you have saved too by not providing health care to accident victims who have no health insurance. Ask also the savings in lives by these laws, lives of innocent Men women and children who’s lives have been saved by having to wear seat belts or helmets. As an ex-first responder to many accidents while working for a local EMS squad, I’ll tell you the same thing I’ve told everyone else, I’ve never had to unstrap a dead person from their seat belt. I believe that all drivers should be civilly and criminally responsible for any passengers injured in the vehicle while not wearing a seat belt, the same goes for helmets on motorcycles.