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Cost of Accidents : <br /> ..���..���������.��II..111..���........����...��.........���.....���....��......���������....�.����.�...�........�.�....�.:.. Il...l�.��...���..��............���.�.����..�.��.�..�.��.��.� <br /> The Iceberg Effect <br /> On average , the <br /> indirect costs of 4: 1 <br /> Direct Costs <br /> accidents exceed the <br /> direct costs by a 4 : 1 <br /> ratio Indirect Costs <br />