Dearest Gordy,
Can I call you Gor? I hope so. Because I think we need to have a heart to heart; A “coming to Jesus” if you will about your “article”. Perhaps it’s because I am used to reading actual news articles with real facts, real points and real conclusions that I am so dismayed. These basic elements seem to be missing from your piece entitled “Two-wheelers costly to insure and very dangerous to drive” which has so many errors and misleading statements I am not even sure where to begin. I am forced to wonder: was it your purposeful aim to mislead and scare the public?
But I digress! Let me proceed to deconstruct your work and refute its statements directly:
With its Italian flair and great gas mileage, that two-wheeled "wasp" of a motor scooter called the Vespa is enjoying a surge of popularity in the Northwest.
But insuring one, or any motorized two-wheeler, could cost you a bundle, and riding one could cost you an arm or a leg -- or worse.
According to statistics available from the Washington Traffic Safety Commission, death on a motorcycle is about 26 times more likely than sitting behind the wheel of a passenger car.
You start out innocently enough Gor, but for some reason switch from Vespas to motorcycles in one breath. This gives the impression that scooters are as dangerous all motorcycles, which is not exactly the case. Let me be clear: a scooter is a motorcycle (I openly concede this and endorse the idea). But if you were going to write an article about motorcycle safety then write one about motorcycles safety, don’t give us one line about a Vespa and then launch into all motorcycles. You see Gor, because of its size and engine displacement, scooters are not as dangerous as ALL motorcycles. How do I know this? Well I have actually read more than just the Washington State Traffic Safety commission’s basic statistics. I have taken the time to review the last major study commissioned specifically for motorcycle safety known as the “Hurt” Study (named for the researcher). This is an invaluable resource to those interested in motorized two wheeled safety in the United States. Had you an actual interest in the topic you would have realized that you would be remiss to write an article about 2 wheeled safety without it.
To quote the Hurt Study:
- Large displacement motorcycles are... associated with higher injury severity when involved in accidents.
- Injury severity increases with speed, alcohol involvement and motorcycle size.
So now you can easily see that you are just being silly by starting with Vespas but then speaking of ALL motorcycles. This is misleading at best, and misinformation at worst, causing un-needed alarm to the general public. But let’s read on…
Moreover, Washington does not require motorcycle drivers to carry liability insurance, as auto and truck drivers have been required to do since 1989.
Well shame on Washington State, perhaps you ought to be writing an article on THAT issue instead? Or has actual investigative journalism died?
But for those who want it anyway -- to protect themselves, their families and their homes -- rates vary widely, based on a driver's age, sex and driving and credit records, warns Karl Newman, president of the Washington Insurance Council, a trade association in Seattle. The cost also will depend on how much coverage is desired.
Doug Harwood, property and casualty manager for the brokerage firm R.L. Evans Co. Inc. in Seattle, said he recently quoted "a Vespa rate for a mid-20s guy at over $800 a year, and he said, "Forget it!' "
Well, if you are going to choose someone in his 20’s, of course it will cost $800 a year. Why? Well, let’s consult Dr. Hurt’s study again, shall we?:
- Motorcycle riders between the ages of 16 and 24 are significantly overrepresented in accidents; motorcycle riders between the ages of 30 and 50 are significantly underrepresented.
To go further with this, and to be MORE accurate in the interest of disclosing information to your faithful readers you might have mentioned what the young gentleman’s quote would be had he bought a 1000cc Ducati motorcycle. I am no insurance agent, but as I understand it he would pay in the neighborhood of $3000 or more. Why? Because bigger, faster bikes are more unsafe.
Of course, had he quoted me for my Vespa, a married male aged 32, I would have a rate half that $800. (which I do) While we are at it, what else would lower my risk? Bueller… Bueller? Riiight… a motorcycle safety training course. How odd of you not to have mentioned that. But again, why be complete when trying to disperse information to the general public? When I went to get my motorcycle license, I took the Motorcycle Safety Foundation course . This has made me a safer driver. Back to the article (we still quoting Doug Harwood):
"But here's how it penciled out," he said. "Just $120 was for liability, but $300 was for the uninsured motorist part, which means that the company I quoted was betting 3-1 that someone will take him out before he hit anyone -- and that most likely they would be writing their check to his family because, hit or get hit while riding one of these things, you'd be dead. At the very least, your brain would be scrambled."
What an idiotic and irresponsible statement by Mr. Harwood. What would this lead someone to believe who knows nothing of insurance? That uninsured motorist coverage only kicks in when you are dead or your “brain is scrambled”. And obviously, he must think that as soon as you are hit by a car only one thing or the other must occur? Well, Gor, I was hit by a car, my brain was not scrambled, I did not die, and my uninsured motorist coverage kicked in. The reason for uninsured coverage is so that, if someone hits you and THEY are uninsured you still get coverage. In my case, the person who hit me fled the scene and was never caught. But why, you ask, am I still alive and still thinking despite Mr. Harwood’s assurances otherwise? Because:
- I was driving slowly, which according to the Hurt study lowered my change of severe injury
- I was wearing a helmet, which according to the Hurt study at lower speeds mitigates the chance of head injury.
- I was wearing a proper safety jacket which eliminated any upper body injuries
In conclusion, I cannot school you on reporting; I am no newspaper man. But I think, if nothing else, both fact checking and depth should be required in an article such as this. If you have no interest in such things, then I implore you, do not write about it. You do just as much harm as those who would say (or make it seem) as if there are NO risks to scooters.
Yours Truly,
Neil Barton
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