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Briefing on IIHS and HLDIwww.hldi.orgBloomington, IL November 7, 2013Mr. Kim Hazelbaker – Sr. V.P.
The Insurance Institute for Highway Safety,founded in 1959, is an independent, nonprofit, scientific, and educationalorganization dedicated to reducing the losses — deaths, injuries, andproperty damage — from crashes on the nation's highways.The Highway Loss Data Institute,founded in 1972, shares and supports this mission through scientificstudies of insurance data representing the human and economic lossesresulting from the ownership and operation of different types of vehiclesand by publishing insurance loss results by vehicle make and model.Both organizations are wholly supported by auto insurers.www.hldi.org
Where are we?Location of IIHS/HLDI and Vehicle Research CenterNorthAmericaWashington, iihs.org
Member groups Acceptance Insurance Farmers Mutual of Nebraska Nodak Mutual Insurance Company ACE Private Risk Services Fireman's Fund Insurance Company Norfolk & Dedham Group Affirmative Insurance Florida Farm Bureau Insurance Companies North Carolina Farm Bureau Mutual Insurance Company Agency Insurance Company of Maryland Frankenmuth Insurance Northern Neck Insurance Company Alfa Alliance Insurance Corporation Gainsco Insurance Old American County Mutual Fire Insurance Alfa Insurance GEICO Group Old American Indemnity Company Allstate Insurance Group Georgia Farm Bureau Mutual Insurance Company Oregon Mutual Insurance American Family Mutual Insurance GMAC Personal Lines Insurance Pekin Insurance American National Family of Companies Goodville Mutual Casualty Company PEMCO Insurance Ameriprise Auto & Home Grange Insurance Plymouth Rock Assurance Amica Mutual Insurance Company Hallmark Insurance Company Progressive Corporation ARI Insurance Companies Hanover Insurance Group The Responsive Auto Insurance Company Auto Club Enterprises The Hartford Rockingham Group Auto Club Group Haulers Insurance Company Inc. Safeco Insurance Bankers Insurance Group Homeowners of America Insurance Company Samsung Fire & Marine Insurance Company Bituminous Insurance Companies Horace Mann Insurance Companies SECURA Insurance California Casualty Group ICW Group Sentry Insurance Capital Insurance Group Imperial Fire & Casualty Insurance Company Shelter Insurance Chubb & Son Indiana Farmers Mutual Insurance Company Sompo Japan Insurance Company of America Colorado Farm Bureau Mutual Insurance Company Infinity Property & Casualty South Carolina Farm Bureau Mutual Insurance Company Concord Group Insurance Companies Kemper Preferred Southern Farm Bureau Casualty Insurance Company Cotton States Insurance Kentucky Farm Bureau Insurance State Auto Insurance Companies COUNTRY Financial Liberty Mutual Insurance Company State Farm CSAA Insurance Group Louisiana Farm Bureau Mutual Insurance Company Tennessee Farmers Mutual Insurance Company Direct General Corporation Maryland Automobile Insurance Fund Texas Farm Bureau Insurance Companies Discovery Insurance Company Mercury Insurance Group Tower Group Companies Driver’s Insurance Group MetLife Auto & Home The Travelers Companies Erie Insurance Group MiddleOak United Educators Esurance Mississippi Farm Bureau Casualty Insurance Company USAA Farm Bureau Financial Services MMG Insurance Utica National Insurance Group Farm Bureau Insurance of Michigan Mutual of Enumclaw Insurance Company Virginia Farm Bureau Mutual Insurance Farm Bureau Mutual Insurance Company of Idaho Nationwide West Bend Mutual Insurance Company Farmers Insurance Group of Companies New Jersey Manufacturers Insurance Company Young America Insurance Company Farmers Mutual Hail Insurance Company of Iowa NLC Insurance Companies Inc. Zurich North Americawww.iihs.org
The Big ehiclesonly ,338,0003,778,00032,367www.hldi.org
Motor vehicle crash deaths and deaths per billionvehicle miles traveled1950-201160,00080deaths per billion vehicle miles traveled55,00060motor vehicle deaths50,00045,0004040,00032,3672035,00011.0 per hs.org
Highway Loss Data Institutewww.hldi.org
HLDI data providers have 80% share of PPA AIG The Hartford Allstate High Point American Family Kentucky Farm Bureau Amica Liberty Mutual ANPAC MetLife Auto Club Group Nationwide Automobile Insurers Bureau of Mass. PEMCO Chubb Progressive COUNTRY Rockingham CSAA Insurance Group Safeco Erie Secura Insurance Farm Bureau Financial Services (Iowa Farm Bureau) State Farm Farmers Tennessee Farm Bureau Foremost Travelers GEICO Unitrin GMAC USAAwww.hldi.org
Other data supplierswww.hldi.org
Size of HLDI passenger vehicle databaseNumber of unique VINs in files, November 2013model yearnumber of 013120,540,946www.hldi.org
Coverages reported to HLDIPrivate Passenger Auto Collision Comprehensive Personal injury protection Medical payments Physical damage liability Bodily injury liabilitywww.hldi.org
Crash avoidance systemswww.hldi.org
Wave of new technologiesRadar, LIDAR, ultrasonic, infrared, cameras, GPSwww.iihs.org
Mercedes advertisementwww.hldi.org
Electronic Stability Control:The first crash avoidance successwww.iihs.org
What is Electronic Stability Control (ESC)?ESC is an extension of ABS, which has speed sensorsand independent braking for each wheel. Additionalsensors monitor how well a vehicle is responding to a driver’s input.www.iihs.org
Effects on crash riskPercent change in crash rates for vehicles with standard ESCvs. optional or no ESC, updated May 201020all crashesfatal injury0-20-40all s.org
Relative overall collision lossesBefore and after standard ESC, April 2006140before120after100806040200luxury carssports carsSUVswww.iihs.org
www.iihs.org
PDL claim frequencies for 2010-12 Volvo XC60 withCity Safety vs. other 2009-12 midsize luxury SUVsCalendar years 2009-121086420www.hldi.org
Volvo XC60 City Safety updated resultsvs. other midsizeluxury SUVsclaimfrequencyclaimseverityproperty damage liability-16.0%-14.6%-13.1%bodily %- 89- 42 4- 17- 15- 12- 512- 450- 389- 98- 92- 86claimfrequencyvs. other Volvosoveralllossesclaimseverityproperty damage liability-8.3%-5.2%-1.9%bodily overalllosses 206 291 373 0 4 7- 261- 148- 38- 50- 40- 30www.hldi.org
PDL claim frequencies for 2011-12 Volvo S60 withCity Safety vs. other 2011-12 4-door midsize luxury carsCalendar years 2011-126543210www.hldi.org
Volvo S60 City Safetyvs. other midsize4-door luxury carsclaimfrequencyclaimseverityproperty damage liability-19.5%-16.3%-12.9%bodily injury-30.4%-18.2%-3.8%collision-10.7%-8.7%-6.6% 257 373 486- 8- 4 0- 802- 668- 537- 92- 79- 66claimfrequencyvs. other Volvosoveralllossesclaimseverityproperty damage liability-18.1%-10.7%-2.6%bodily lllosses 416 649 863- 1 7 13 96 360 608 37 58 78www.hldi.org
www.hldi.org
Collision Avoidance TechnologyAcuraAdaptive headlights, Collision mitigation braking system (Forwardcollision warning with auto brake and Adaptive cruise control)(Blind spot warning)BuickLane departure warning, Rear park assistInfinitiAdaptive headlights, Adaptive cruise control, Adaptive cruisecontrol with full stop, Around view monitor, Brake assist, Lanedeparture warning, Lane departure prevention, Rear camera(Advance brake assist, Low speed follow, Forward collisionwarning with auto brake)MazdaAdaptive headlights, Blind spot warning, Rear cameraMercedes BenzAdaptive headlights, Adaptive head beam assist, Attention assist,Active blind spot assist, Blind spot warning, Distronic,DistronicPlus PreSafe brake, Lane departure warning, Night viewassist, Night view assist with pedestrian protection, ParkTronic,Rear camera (Distronic Plus, Lane departure prevention, Parkassist, Park guidance)VolvoAdaptive headlights, Blind spot warning, Park assist, RearCamera (Adaptive cruise control, lane departure warning,Forward collision warning with auto brake)www.hldi.org
Forward collision warningwww.hldi.org
www.hldi.org
Collision losses for forward collision warningWith feature vs. withoutclaimfrequencyMercedeswith adaptive cruise controlclaimseverityoveralllosses-6.1%-3.1%0.0% 586 813 1,049 24 45 67-16.5%-6.6%4.5%- 125 445 1,093- 36 9 62Volvowith adaptive cruise controlwww.hldi.org
Property damage liability lossesfor forward collision warningWith feature vs. withoutclaimfrequencyMercedeswith adaptive cruise controlVolvowith adaptive cruise controlclaimseverityoveralllosses-12.0%-7.1%-1.9%- 100 58 225- 10- 4 2-21.9%-7.1%10.6%- 201 266 821- 18 2 27www.hldi.org
Forward collision warningwith auto brakewww.hldi.org
Collision losses for forward collision warningwith auto brakeWith feature vs. withoutclaimfrequencyAcurawith adaptive cruise controlMercedeswith adaptive cruise controlclaimseverityoveralllosses-11.2%-3.1%5.7%- 452 31 567- 52- 9 41-12.8%-7.1%-1.0%- 258 145 578- 54- 18 20-13.8%-2.9%9.3%- 700- 179 417- 62- 19 32Volvowith lane departure warning& driver alertwww.hldi.org
Property damage liability lossesfor forward collision warning with auto brakeWith feature vs. withoutclaimfrequencyAcurawith adaptive cruise controlMercedeswith adaptive cruise - 323 69 523- 24- 10 7-23.3%-14.3%-4.2%- 191 126 479- 19- 8 4-25.1%-10.0%8.2%- 501- 83 415- 29- 11 11Volvowith lane departure warning& driver alertwww.hldi.org
Adaptive headlightswww.hldi.org
www.hldi.org
Collision losses for adaptive headlightsWith feature vs. ra-11.9%-2.0%9.0%- 466 12 556- 40- 4 38Mazda-12.0%-6.4%-0.6%- 132 126 403- 33- 9 17Mercedes-1.9%-0.1%1.8% 628 758 891 42 54 67Volvo-4.2%-0.7%2.9%- 28 149 333- 7 8 24www.hldi.org
Property damage liability lossesfor adaptive headlightsWith feature vs. ra-20.3%-6.3%10.3%- 418- 9 473- 20- 5 14Mazda-18.3%-10.1%-1.2%- 574- 381- 170- 33- 23- 12Mercedes-12.7%-10.0%-7.2% 21 112 207- 8- 5- 2Volvo-13.4%-9.0%-4.4%- 152- 29 101- 14- 9- 3www.hldi.org
Lane departure warningwww.hldi.org
www.hldi.org
Collision losses for lane departure warningWith feature vs. withoutclaimfrequencyBuickwith side view .7%- 212- 34 154- 10 6 24-8.5%5.6%22.0% 3 1,010 2,199 1 99 222-13.8%-2.9%9.3%- 700- 179 417- 62- 19 32Volvowith forward collision with autobrake& driver alertwww.hldi.org
Property damage liability lossesfor lane departure warningWith feature vs. withoutclaimfrequencyBuickwith side view 6.4%- 138 46 247- 2 6 15-14.6%10.9%43.9%- 548 150 1,057- 16 13 55-25.1%-10.0%8.2%- 501- 83 415- 29- 11 11Volvowith forward collision with autobrake& driver alertwww.hldi.org
www.hldi.orgSource of insurance loss statistics on mostcar, SUV, pickup, and motorcycle modelson the road
Availability of featuresfor automobileswww.hldi.org
New vehicle series with electronic stability controlBy model optional2005200720092011not availablewww.hldi.org
Registered vehicles with electronic stability controlBy calendar optional2005200720092011not availablewww.hldi.org
Registered vehicles with electronic stability control,actual and predictedBy calendar year100%80%60%40%actualpredicted20%previous g
New vehicle series with forward collision warningBy model onal200820102012not availablewww.hldi.org
Registered vehicles with forward collision warningBy calendar onal200820102012not availablewww.hldi.org
Registered vehicles with forward collision warning,actual and predictedBy calendar year100%80%60%40%actualpredicted20%previous predicted0%200020102020203020402050www.hldi.org
New vehicle series with rear cameraBy model onal20102012not availablewww.hldi.org
Registered vehicles with rear cameraBy calendar onal20102012not availablewww.hldi.org
Registered vehicles with rear camera,actual and predictedBy calendar 0402050www.hldi.org
New vehicle series with adaptive headlightsBy model 20102012not availablewww.hldi.org
Registered vehicles with adaptive headlightsBy calendar 20102012not availablewww.hldi.org
Registered vehicles with adaptive headlights,actual and predictedBy calendar 0402050www.hldi.org
Calendar year features reach 95% of registeredvehicle fleet with and without mandate2050without mandate20402015 mandate20302020forward collision rear parkingwarningsensorslane departurewarningadaptiveheadlightsblind spotwarningrearcamerawww.hldi.org
Homeowners of America Insurance Company Horace Mann Insurance Companies ICW Group Imperial Fire & Casualty Insurance Company . PEMCO Progressive Rockingham Safeco Secura Insurance State Fa
