Gravitational lensing of an optical QSO by a spiral galaxy is often co
unteracted by dust obscuration, since the line of sight to the QSO pas
ses close to the center of the galactic disk. The dust in the lens is
likely to be correlated with neutral hydrogen, which in turn should le
ave an Ly alpha absorption signature on the QSO spectrum. We use the e
stimated dust-to-gas ratio of the Milky Way galaxy as a mean and allow
a spread in its values to calculate the effects of dust on lensing by
low-redshift spiral galaxies. Using a no-evolution model for spirals
at z less than or similar to 0.8, we find, in Lambda = 0 cosmologies,
that the magnification bias due to lensing is stronger than dust obscu
ration for QSO samples with a magnitude limit of B less than or simila
r to 16. The density parameter of neutral hydrogen, Omega(H I), is ove
restimated in such samples and is underestimated for fainter QSOs.