Motorcyclists’ Injury Insurance Claims Increase in Michigan image

The cost of insurance claims for motorcycle crashes has increased dramatically since last year Michigan repealed its mandatory helmet.

A recent study shows that he average insurance payment for a motorcycle injury claim has reached $7,257, from $5,410 in 2010, which is an increase of 34%. Taking into considerations that riders without helmets carry higher insurance, medical payout have also increased 22%. The states which allowed the elimination or weakened the mandatory helmet requirements has seen a surge in motorcycle deaths.

“Weakening the helmet law seems to have made it somewhat more likely that riders will sustain injuries, but the big impact has been on the seriousness of the injuries,” says David Zuby, chief research officer of the Highway Loss Data Institute. “Helmets can’t protect against all injuries, but they do help prevent debilitating and often fatal head trauma.”

Currently, 19 states and the District of Columbia require helmets, 28 states require only some motorcyclists to wear them and 3 states have no laws for helmets. Between 1997 and 2011 motorcycle deaths in the US have more than doubled from 2,116 to 4,612, while overall traffic fatalities dropped 23% from 42,013 to 32,367. Motorcycle deaths in Michigan have increased from 109 in 2011 to 129 in 2012.

Source: The Detroit News