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www.iihs.org

Stopping the Crash Before it Happens: Collision Avoidance Technology & More

Evaluations of Collision Avoidance Systems Using Insurance DataLifesavers 2015Chicago, IL ● March 15, 2015

Matthew Moore, Vice President, HLDI

The Insurance Institute for Highway Safety, founded in 1959, is an independent, nonprofit, scientific, and educational organization dedicated to reducing the losses — deaths, injuries, and property damage — from crashes on the nation’s roads.

The Highway Loss Data Institute, f d d i 1972 h d t thi i i th h i tifi

www.iihs.org

founded in 1972, shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model.

Both organizations are wholly supported by auto insurers.

• AAA Northern California,Nevada and Utah

• AIG Agency

• Allstate

• American Family

• Amica

• Foremost

• GEICO

• GMAC

• The Hartford

• High Point

• Kentucky Farm Bureau

• 21st Century

• Alfa Alliance

• Allstate

• American Family

• American National Family

• Amica

(Iowa Farm Bureau)

• Farmers

• Florida Farm Bureau

• GEICO

• The Hartford

• Kemper Preferred

• Progressive

• Rockingham

• Safeco

• SECURA

• Sentry

• State Farm

HLDI data providers have 85% share of U.S. auto insurance market

www.hldi.org

• ANPAC

• Auto Club Group

• Automobile Insurers Bureau of Mass.

• Chubb

• COUNTRY

• Erie

• Farm Bureau Financial Services(Iowa Farm Bureau)

• Farmers

• Liberty Mutual

• MetLife

• Nationwide

• PEMCO

• Progressive

• Rockingham

• Safeco

• Secura Insurance

• Auto Club Group

• Automobile Insurers Bureau of Mass.

• Chubb

• COUNTRY

• CSAA

• Erie

• Esurance

• Farm Bureau Financial Services

• Kentucky Farm Bureau

• Liberty Mutual

• MetLife

• National General

• Nationwide

• New Jersey Manufacturers

• PEMCO

• Plymouth Rock Assurance

• Tennessee Farmers

• Travelers

• USAA

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U.S. Auto Insurance 101

www.hldi.org

Collision coverageCovers damage to your vehicle if you are at fault

or

Collision coverage

Collision coverage

www.iihs.org

or

at fault not at fault/other property damage covered

Property damage liability coverageCovers damage you cause to other people’s vehicles and property

or

Property damage liability

www.iihs.org

or

at fault not at fault/other property damage covered

Property damage liability

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Comprehensive coverageCovers theft and damage for reasons other than crashes

www.iihs.org

Tort and no-fault states

MD

DE

DC

MA

OR

RINJ

NH

ME

PA

WV

NC

OH

MI

INIL

WI

IA

MOCO

SD

ID

CA

WA

TN

VTMT ND

NVUT

WY

NE

KS

OKAR

MN

KY VA

NY

CT

www.iihs.org

SC

GA

FL

LA

NM

MS

AZ

TX

AR

AL

AK

HI

no-fault states

Tort states

Medical payment coverageCovers injuries to you and your passengers if you are at fault in states with traditional tort systems

Medical Payment

www.iihs.org

at-fault driver/passengers not at-fault driver/passengers injuries covered

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Bodily injury liability coverageCovers injuries you cause to people in other vehicles in states with traditional tort systems

www.iihs.org


Bodily Injury Liability

Personal injury protection coverageCovers injuries up to a specified amount, regardless of who isat fault, in states with no-fault systems

Personal Injury Protection Personal Injury Protection

www.iihs.org


Insurance measures

• Exposure

– Expressed in insured vehicle years

– One insured vehicle year represents 1 vehicle insured for 1 year or 2 vehicles insured for 6 months

• Claim frequency

– Calculated by dividing claims by exposure

www.hldi.org

– Expressed as the number of claims per selected number of insured vehicle years (exposure)

• Claim severity

– Represents the average cost per claim

– Calculated by dividing dollars paid for all claims by the claim count

• Overall losses

– Represents the average cost per insured vehicle (year)

– Calculated by dividing total dollars paid for claims by exposure

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Covariates1. Demographic variables

A. rated driver age

B. rated driver gender

C. rated driver marital status

D. rated driver risk

2. Geographic variables

www.hldi.org

A. garaging state

B. garaging zip code

C. registered vehicle density (vehicles per square mile)

3. Policy variables

A. deductibles

B. limits

C. effective / terminate dates

Forward collision warning

www.hldi.orgwww.hldi.org

Changes in physical damage claim frequency for front crash prevention systems

0%

10%

20%

warning only warning with autobrakelow speed


-30%

-20%

-10%

0%

Volvo City Safety

Honda Accord (with LDW)

Mercedes Volvo Acura Mercedes Subaru (with LDW)

Volvo (with LDW)

PDL

collision

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Changes in injury claim frequency for front crash prevention systems

-40%

0%

40%

80%


bodily injury liability


-30%

-20%

-10%

0%

10%

20%

30%

Volvo City Safety

Honda Accord

(with LDW)


Volvo (with LDW)

MedPay

PIP

-80%Volvo City Safety Honda Accord

(includes LDW)Mercedes Volvo Acura Mercedes Subaru Volvo

(includes LDW)

warning only warning with autobrake

y j y y

$500

$1,000

$1,500

Front crash prevention systemsChange in collision claim severity



-$1,000

-$500

$0

$500

Volvo City Safety



Volvo (with LDW)

$50

$100

Front crash prevention systemsChange in collision overall losses



-$100

-$50

$0

Volvo City Safety



Volvo (with LDW)

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Adaptive headlights


Adaptive headlightsChange in claim frequency

0%

4%

8%

12%

PDL collision

www.hldi.org

-20%

-16%

-12%

-8%

-4%

Acura Mazda Mercedes Volvo

Adaptive headlightsChange in claim frequency

-10%

0%

10%

Bodily injury liability

www.hldi.org

-20%Acura Mazda Mercedes Volvo

-40%

-30%

-20%

-10%

0%


MedPay

PIPMedPay and PIP(1st party injuries)

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Adaptive headlightsChange in collision claim severity

$500

$1,000


-$1,000

-$500

$0


collision

Adaptive headlightsChange in collision overall losses

$50

$100


-$100

-$50

$0


collision

Lane departure warning


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Lane departure warning systemsChange in claim frequency

20%

30%

40%

PDL collision


-30%

-20%

-10%

0%

10%

Buick (w/ Blindspot)

Mercedes Subaru (with FCW/AEB)

Volvo (w/ FCW/AEB)

Honda (w/ FCW)

Lane departure warning systemsChange in claim frequency

-40%

-20%

0%Bodily injury liability


-40%

0%

40%

80%

120%

Buick (w/ Blindspot)

Mercedes Subaru (w/

FCW/AEB)

Volvo (w/

FCW/AEB)

Honda (w/ FCW)

MedPay

PIP

MedPay and PIP(1st party injuries)

Buick Mercedes Subaru (w/

FCW/AEB)

Volvo Honda (w/FCW)

Fitment Rates of Vehicle


Features in the U.S. Vehicle Fleet

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New vehicle series with electronic stability controlBy model year

60%

80%

100%


0%

20%

40%

1995 1997 1999 2001 2003 2005 2007 2009 2011 2013

standard optional not available

Registered vehicles with electronic stability controlBy calendar year

60%

80%

100%


0%

20%

40%

1995 1997 1999 2001 2003 2005 2007 2009 2011 2013


Registered vehicles with electronic stability control,actual and predictedBy calendar year

60%

80%

100%


0%

20%

40%

60%

1995 2000 2010 2020 2030 2040 2050

predicted

actual

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New vehicle series with front crash preventionBy model year

60%

80%

100%


0%

20%

40%

2000 2002 2004 2006 2008 2010 2012


Registered vehicles with front crash preventionBy calendar year

60%

80%

100%


0%

20%

40%

2000 2002 2004 2006 2008 2010 2012


Registered vehicles with front crash prevention,actual and predictedBy calendar year

60%

80%

100%


0%

20%

40%

2000 2010 2020 2030 2040 2050

predicted

actual

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2040

2050

without mandate

hypothetical 2015 mandate

Calendar year features reach 95% of registered vehicles with and without hypothetical mandate


2020

2030

front crash prevention

lane departure warning

adaptive headlights

blind spot warning

rear camera

rear parking sensors

Vehicle registrationsBy calendar year

600,000

625,000

650,000optional and not available ESC

standard ESC

Linear (optional and not available ESC)

Linear (standard ESC)


500,000

525,000

550,000

575,000

2004 2005 2006 2007 2008 2009 2010 2011

Annual change in registrationBy ESC status

-1.0%

-0.5%

0.0%


-2.5%

-2.0%

-1.5%

optional and not available ESC standard ESC

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www.iihs.orgDedicated to reducing deaths, injuries,and property damage on the highway

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