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Insurance Analyses of Crash Avoidance Systems and Implications for Consumer Information Testing

Insurance Analyses of Crash Avoidance Systems and Implications for Consumer Information Testing. SAE 2012 Government/Industry Meeting Washington, DC ● January 25, 2012 Matthew Moore.

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Insurance Analyses of Crash Avoidance Systems and Implications for Consumer Information Testing

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  1. Insurance Analyses of Crash Avoidance Systems and Implications for Consumer Information Testing SAE 2012 Government/Industry Meeting Washington, DC●January 25, 2012 Matthew Moore

  2. 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 highways.The Highway Loss Data Institute, 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.

  3. HLDI data providers 21st Century AAA Northern California, Nevada & Utah Allstate American Family Amica ANPAC Auto Club Group Automobile Insurers Bureau of Mass. Chubb COUNTRY Erie Farm Bureau Financial Services (Iowa Farm Bureau) Farmers Foremost GEICO GMAC The Hartford High Point a Plymouth Rock Company Kentucky Farm Bureau Liberty Mutual MetLife Nationwide PEMCO Progressive Rockingham Safeco Secura Insurance State Farm Tennessee Farm Bureau Travelers Unitrin USAA

  4. Volvo City Safety research overview

  5. Measures of loss

  6. Volvo City Safety

  7. Property damage liability claim frequencies for 2010 Volvo XC60 With City Safety vs. other 2009-10 midsize luxury SUVs

  8. Property damage liability claim frequencies for 2010 Volvo XC60 With City Safety vs. other 2009-10 Volvos

  9. Volvo XC60 City Safety

  10. Property damage liability claim frequencies by size of claim Volvo XC60 vs. other midsize luxury SUVs

  11. Collision claim frequencies by size of claim Volvo XC60 vs. other midsize luxury SUVs

  12. 6.5 $2,596 9.8 $3,726 27.9 $4,658 13.5 $3,070 5.7 $2,588 10.5 $3,650 FRONT FRONT 3.0 $3,098 2.3 $2,268 3.6 $3,031 3.3 $2,186 3.6 $3,519 2.8 $2,520 2.7 $3,615 3.0 $2,505 3.5 $2,588 2.7 $1,973 2.8 $2,687 3.4 $1,938 7.1 $1,753 6.5 $2,687 6.0 $2,289 5.3 $1,840 44.5 $1,714 20.0 $2,204 collision N= 1,526,416($3,367) PDL N= 690,929 ($2,103) Percent of claims and average damage amount By point of impact and coverage, 2005-07 models

  13. IIHS – HLDI evaluations of crash avoidance systems

  14. Preliminary summary VIN based analyses of insurance data Adaptive cruise control and forward collision warning with/withoutcollision mitigation systems associated with lower crash frequency Adaptive front lighting systems associated with lower crash frequency • Although reductions seem too large Blind spot monitor systems associated with lower crash frequency No indication that lane departure warning systems lower crash frequency Some parking systems associated with lower crash frequency

  15. Availability of featuresfor automobiles

  16. New vehicle series with driver frontal airbag By model year

  17. Registered vehicles with driver frontal airbag By calendar year

  18. Registered vehicles with driver frontal airbag,actual and predicted By calendar year actual predicted

  19. New vehicle series with electronic stability control By model year

  20. Registered vehicles with electronic stability control By calendar year

  21. Registered vehicles with electronic stability control,actual and predicted By calendar year actual predicted

  22. New vehicle series with forward collision warning By model year

  23. Registered vehicles with forward collision warning By calendar year

  24. Registered vehicles with forward collision warning,actual and predicted By calendar year actual predicted

  25. IIHS evaluations of crash avoidance systems

  26. Vehicle to stationary target tests

  27. Vehicle to moving target testing

  28. Also conducting vehicle to pedestrian testing

  29. Lessons learned Comparison testing is complicated Target fidelity to what it represents • Depends on sensors • Depends on algorithms Test surface coefficient of friction • DRI GST incapable of 0.6 g braking at IIHS despite working at home • Likely to affect measured auto-braking response Crash avoidance system error codes • Can they be avoided? • Do they affect system response? • Can they be reset?

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