DEFENSIVE DRIVING BENEFITS EVERYONE
WRECK-LESS DRIVING ©
by Gunther Doerfert, Auto Safety Columnist
DEFENSIVE DRIVING BENEFITS EVERYONE
EVERYWHERE, USA: With a number of highly regarded defensive driving programs available for persons over age 50 it is surprising that employers do not make their workers aware of them. Just think about the costs an employer must assume when an employee is injured in a collision, in or out of working hours.
Increased medical insurance premiums, disability payments, substitute employees, perhaps loss of a highly trained worker, new profitable opportunities delayed or lost, legal-liability costs if the crash was work related, and increased worker compensation premiums are the most obvious losses for employers.
One would think that for the few dollars and few hours these safe driving courses cost employers would publicize them and sponsor the classes. Even more productive would be the employer paying the class fee and/or setting up classes on company time and premises. Certainly any employee over age 50 whose job requires street driving should be required to participate in these adult learning classrooms. Many hospitals sponsor these programs. Why not also HMO's and health insurance companies for their employees and their clients?
The benefit is not just to the employer. A wreck-less employee has much to gain, too. Also in 36 states and DC the legislatures require that insurance companies give an additional insurance premium incentive to older drivers who complete an approved course. Even the auto insurers stand to gain. Just one million-dollar claim avoided more than covers the total premium incentives offered. Everyone benefits.
GHD81 all rights reserved wellnessebooks.com/ebookstore.asp
by Gunther Doerfert, Auto Safety Columnist
DEFENSIVE DRIVING BENEFITS EVERYONE
EVERYWHERE, USA: With a number of highly regarded defensive driving programs available for persons over age 50 it is surprising that employers do not make their workers aware of them. Just think about the costs an employer must assume when an employee is injured in a collision, in or out of working hours.
Increased medical insurance premiums, disability payments, substitute employees, perhaps loss of a highly trained worker, new profitable opportunities delayed or lost, legal-liability costs if the crash was work related, and increased worker compensation premiums are the most obvious losses for employers.
One would think that for the few dollars and few hours these safe driving courses cost employers would publicize them and sponsor the classes. Even more productive would be the employer paying the class fee and/or setting up classes on company time and premises. Certainly any employee over age 50 whose job requires street driving should be required to participate in these adult learning classrooms. Many hospitals sponsor these programs. Why not also HMO's and health insurance companies for their employees and their clients?
The benefit is not just to the employer. A wreck-less employee has much to gain, too. Also in 36 states and DC the legislatures require that insurance companies give an additional insurance premium incentive to older drivers who complete an approved course. Even the auto insurers stand to gain. Just one million-dollar claim avoided more than covers the total premium incentives offered. Everyone benefits.
GHD81 all rights reserved wellnessebooks.com/ebookstore.asp
posted by WRECK-LESS at Saturday, August 20, 2005
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