Quoted message said:Dr Curious said:Quoted message said:Gordon Bennet. Will someone tell me one way or another if it's
good
Quoted message said:Quoted message said:Quoted message said:to wear helmets?
You should look on your helmet as an insurance policy. This is
literally true. A good fraction of the purchase price is, in fact,
essentially an insurance premium, although whether it's for your
benefit, or the manufacturer's, somewhat depends on your point of
view. Both really, I suppose.
The American legal system is famous. It is universally acknowledged
that if there is an accident that is somebody's fault, they should
pay compensation, although there are complications if culpability is
split between various parties. Anything that happens in the USA
always ends up happing in Britain too, in a more virulent form, and
we are already seeing this with lawsuits.
It is the duty of an American lawyer, acting for a client, to extract
the maximum amount of money from anyone handy. That might be the
duty of a British lawyer, too, especially if they are working on a
percentage.
Nowadays, as bike fatalities keep on happening, and more and more
cyclists are wearing helmets, more and more dead cyclists are
wearing helmets too. Helmets are meant to stop this happening, so a
dead, helmeted, cyclist does tend to indicate something wrong with
the helmet and/or its manufacturer. The remedy is obvious: sue.
This is an excellent tactic. Helmet makers are always very willing
to settle such cases, very generously, before they get to court,
provided you are willing to keep the details secret. Settling out of
court creates no precedent. A discussion with lawyers, doctors,
technical experts, and so on, in front of a judge, and the press and
public, of the merits (or not) of helmets is not something the
manufacturers welcome. Not only would it create a precedent, the
manufacturers, in their defence, would be compelled to argue that
helmets have always been known to be useless, and that the
advertisements have never claimed otherwise.
This legal undercurrent goes on all the time. Somebody has to pay
for it all, and if the helmet makers are to stay in business, that
can only be the helmet buyers. What fraction of the helmet purchase
price is your insurance premium is unknown. It is one of the most
closely guarded secrets of the industry. I seem to recall an article
in a US magazine estimating that a third of the price of a helmet was
the premium, but whether the author had accurate information, who
knows. Even if he was right then, things may have changed.
I suppose that if you own a helmet it's nice to know you have a paid
up insurance policy. Whether you will be much cheered when the time
comes to collect a payout, though, seems less certain..
Jeremy Parker