Ohio Association of Mutual Insurance ...By body style and size class 2008-10 models 200 i By body...
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www.hldi.org Ohio Association of Mutual Insurance Companies www.hldi.org Columbus, OH ● Feb 17, 2011 Matt Moore, Vice President HLDI
Transcript of Ohio Association of Mutual Insurance ...By body style and size class 2008-10 models 200 i By body...
www.hldi.org
Ohio Association of Mutual Insurance Companieswww.hldi.orgColumbus, OH ● Feb 17, 2011Matt 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 g g , j ,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 lossesstudies 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.
www.hldi.org
www.hldi.org
Where are we?Location of IIHS/HLDI and Vehicle Research CenterLocation of IIHS/HLDI and Vehicle Research Center
Washington, DC
IIHS & HLDIheadquarters
VRC
Virginia
www.iihs.org
Motor vehicle crash deaths and deaths per billion vehicle miles traveled
80 60,000
vehicle miles traveled1950-2009
60
55,000
motor vehicle deaths
deaths per billion vehicle miles traveled
40 45,000
50,000 o o e c e dea s
20
0
40,000
5,000
33,80820
35,000
11.3 per billion
www.iihs.org
0 30,000 1950 55 60 65 70 75 80 85 90 95 2000 05
Making safer vehicles
www.iihs.org
Insurance Institute for Highway Safety —
www.iihs.org
Insurance Institute for Highway Safety Vehicle Research Center, Ruckersville, Virginia
Frontal offset crash protection ratingsImprovements: 1995 to 2010Improvements: 1995 to 2010
100%
80%
40%
60%
20%
40%poormarginalacceptable
0%1995 96 97 98 99 2000 01 02 03 04 05 06 07 08 09 10
good
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1995 96 97 98 99 2000 01 02 03 04 05 06 07 08 09 10
Side Impact Crash Testing
www.iihs.org
Side impact crash protection ratingsImprovements: 2003 to 2010Improvements: 2003 to 2010
100%
80%
40%
60%
20%
40%
poor
marginal
acceptable
0%2003 2004 2005 2006 2007 2008 2009 2010
acceptable
good
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2003 2004 2005 2006 2007 2008 2009 2010
TOP SAFETY PICK
www.iihs.org
Requirements for TOP SAFETY PICK award
evaluation in frontal crashworthiness test
evaluation in side crashworthiness test
G
G evaluation in side crashworthiness test
evaluation in rear crashworthiness test
G
G
evaluation in roof strength testG
Availability of electronic stability control
www.iihs.org
2011 TOP SAFETY PICK winnersFebruary 2011February 2011
Large carsBuick LaCrosseBuick RegalBMW 5 series
Small carsChevrolet CruzeHonda CivicKia Forte
Large SUVVolkswagen Touareg
Midsize SUVsBMW 5 seriesCadillac CTS sedanChrysler 300Dodge ChargerFord TaurusHyundai GenesisInfiniti M37/M56
Kia SoulMitsubishi LancerNissan CubeScion tCScion xBSubaru ImprezaT t C ll
Midsize SUVsAudi Q5Cadillac SRXChevrolet EquinoxDodge JourneyFord ExplorerFord Flex
Lincoln MKSMercedes E class coupeMercedes E class sedanToyota AvalonVolvo S80
Midsize cars
Toyota CorollaVolkswagen GolfVolkswagen GTI
MinicarFord Fiesta
GMC TerrainHyundai Santa FeJeep Grand CherokeeKia SorentoLexus RX Lincoln MKTMercedes GLKMidsize cars
Audi A3Audi A4 sedanChevrolet Malibu Chrysler 200Dodge AvengerFord Fusion
MinivanToyota Sienna
Mercedes GLKSubaru TribecaToyota HighlanderToyota VenzaVolvo XC60Volvo XC90
Ford FusionHyundai SonataKia OptimaLincoln MKZMercedes C classSubaru LegacySubaru OutbackV lk J tt d
Small SUVsHonda ElementHyundai TucsonJeep PatriotKia SportageSubaru Forester
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Volkswagen Jetta sedanVolkswagen Jetta SportWagenVolvo C30
Volkswagen Tiguan
1959 Chevrolet Bel Air and 2009 Chevrolet Malibu
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Red light cameras
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7,358 deaths at intersections in 2009Distribution by type of traffic controlDistribution by type of traffic control
red lightred lightrunning crash
deaths9%
no traffic control27%
23%signal light
32%
stop sign
other7%
stop sign34%
www.iihs.org
676 deaths in red light running crashes in 2009Distribution by type of road user
pedestrian, bicyclist, other
6%
Distribution by type of road user
red light running driver36%
occupants ofoccupants of vehicles that didn’t
run light46%
12%passengers in
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passengers inred light running vehicles
Marcus May-Cook, 3 years oldKilled in red light running crash Lansing Michigan August 8 2008Killed in red light running crash, Lansing, Michigan, August 8, 2008
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Crashes or traffic citations within 3 yearsViolators vs nonviolators 2009Violators vs. nonviolators, 2009
30%
20%
violators
nonviolators
20%
10%
0%crashes citations for
driving while convictions for
alcohol-impaired citations for
speeding or other
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suspended driving moving violations
Speeding or driving without valid license Violators vs nonviolators 2009
30%
Violators vs. nonviolators, 2009
30%
violators
nonviolators
20%
10%
0%speeding suspended, invalid,
or no license
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or no license
BACs ≥0.08 percent by time of dayViolators vs nonviolators 2009Violators vs. nonviolators, 2009
60%60%
violators
i l t40% nonviolators
20%
0%day night
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Reductions in red light violations at intersections with signal lightsintersections with signal lightsWith and without cameras, per 10,000 vehicles
0%0%
-20%
-40%
with cameras
-60%
with cameras
without cameras
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Fairfax, VA Oxnard, CA
Citywide crash reductions at intersections with signal lights after camera enforcementsignal lights after camera enforcement
0%
Oxnard, California
-20%
0%
-40%
20%
-60%
-80%
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overall injury right angle right angle with injury
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US communities with red light cameras1992-20101992-2010
500
400
500
300
100
200
0
100
1992 93 94 95 96 97 98 99 2000 01 02 03 04 05 06 07 08 09 10
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1992 93 94 95 96 97 98 99 2000 01 02 03 04 05 06 07 08 09 10
Changes in fatal crash rates in large cities with and without red light cameraswith and without red light cameras
• Cities with population 200,000+ in 2008
• Study groups– 14 cities with cameras during 2004-08 but not 1992-96
– 48 cities without cameras in either period
P i f l h d i 2004 08 1992 96• Per capita fatal crash rates during 2004-08 vs. 1992-96– Red light running crashes
C h t i t ti ith i l li ht– Crashes at intersections with signal lights
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Study cities with and without red light cameras,by population in 2004-08by population in 2004-08
red light cameras
no cameras
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Percent change in fatal crash rates in large cities with red light cameraslarge cities with red light cameras2004-08 vs. 1992-96
200
100
150red light running fatal crash rate
fatal crash rate at intersections with signal lights
50
100
-50
0
-100
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Percent change in fatal crash rates in large cities with and without red light cameraswith and without red light cameras2004-08 vs. 1992-96
cities withred lightcameras
cities withoutred lightcameras
rate of red light running fatal
crashes-35 -14
crashes
rate of fatalcrashes at 14 2c as es at
intersectionswith signal lights
-14 +2
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Highway Loss Data Institute
www.hldi.org
HLDI data providers• AAA Northern California Nevada & Utah • The Hartford• AAA Northern California, Nevada & Utah
• AIG Agency
• Allstate
• The Hartford
• High Point
• Kentucky Farm Bureau
• American Family
• Amica
• ANPAC
• Liberty Mutual
• MetLife
• Nationwide
• Auto Club Group
• Automobile Insurers Bureau of Mass.
• Chubb
• PEMCO
• Progressive
• Rockingham
• COUNTRY
• Erie
• Farm Bureau Financial Services (Iowa Farm Bureau)
• Safeco
• Secura Insurance
• State Farm( )
• Farmers
• Foremost
• GEICO
• Tennessee Farm Bureau
• Travelers
• Unitrin
www.hldi.org
• GEICO
• GMAC
• Unitrin
• USAA
Size of HLDI passenger vehicle databaseNumber of unique VINs in files August 2010Number of unique VINs in files, August 2010
model year number of vehicles
2000 16,813,979
2001 15,846,057
2002 16,009,386
2003 15,320,472
2004 15,045,760
2005 14 652 6802005 14,652,680
2006 13,573,947
2007 12,962,195
2008 10,908,563
2009 6,590,044
2010 4,648,779
www.hldi.org
total 142,371,862
Coverages reported to HLDIPrivate Passenger AutoPrivate Passenger Auto
• Collision
• Comprehensive
• Personal injury protection
• Medical payments
• Physical damage liability
• Bodily injury liability
www.hldi.org
Electronic stability controlon pickups
www.hldi.org
Percent of vehicle series with ESCBy model yearBy model year
100%
ESC not available
80%
ESC not available
ESC optional
ESC standard80
40%
60%60
40
20%20
0%98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10
SUVs regular cars sports and pickups all passenger
www.hldi.org
g pluxury cars
p p p gvehicles
Estimated percent of vehicles with ESCBy model yearBy model year
100%
80%80
40%
60%60
40
20%20
0%98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10 98 00 02 04 06 08 10
SUVs regular cars sports and pickups all passenger
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g pluxury cars
p p p gvehicles
Relative collision losses before/after ESC2007-08 vs 2009-10 small pickups2007-08 vs. 2009-10 small pickups
before standard ESC (2007-08 models)
after standard ESC (2009-10 models)
120
80
40
0Chevrolet Colorado
GMC Canyon
Toyota Tacoma
Chevrolet Colorado
GMC Canyon
Toyota Tacoma
Chevrolet Colorado
GMC Canyon
Toyota Tacoma
claim frequency claim severity overall losses
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q y y
Percent reduction in collision losses with addition of standard ESCof standard ESC
25%claim frequency
20%
q y
claim severity
overall losses20
10%
15%15
10
5%
10%10
5
0%luxury cars sports cars SUVs small pickups
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Collision losses
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Relative collision claim frequenciesBy body style and size class 2008-10 modelsBy body style and size class, 2008-10 models
150 microminismall
100
smallmidsizelargevery large
100 = all-passenger-vehicle result of 7.0
100
50
0two door four door luxurySUVspickupsluxurysportsstation
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two-doorcars
four-doorcars
luxurySUVs
SUVspickupsluxurycars
sportscars
stationwagons,minivans
Relative collision claim severitiesBy body style and size class 2008-10 models
200
i
By body style and size class, 2008-10 models
150
microminismallmidsizelarge$
100
largevery large
100 = all-passenger-vehicle result of $4,047
50
0two door four door luxurySUVspickupsluxurysportsstation
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two-doorcars
four-doorcars
luxurySUVs
SUVspickupsluxurycars
sportscars
stationwagons,minivans
Relative collision overall lossesBy body style and size class 2008-10 models
200
i
By body style and size class, 2008-10 models
150
microminismallmidsizelarge
100
largevery large
100 = all-passenger-vehicle result of $283
50
0two door four door luxurySUVspickupsluxurysportsstation
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two-doorcars
four-doorcars
luxurySUVs
SUVspickupsluxurycars
sportscars
stationwagons,minivans
Worst collision overall losses2008-10 passenger vehicles
Maserati Granturismo 2dr
2008-10 passenger vehicles
Nissan GT R 2dr 4WD
Maserati Quattroporte 4dr
Mercedes Benz CL class 2dr
BMW M3 2dr
BMW M5 4dr
Nissan GT-R 2dr 4WD
Porsche 911 Turbo convertible 4WD
Mitsubishi Lancer Evolution 4dr 4WD
Lexus IS-F 4dr 4WD
0 100 200 300 400
Mercedes Benz CLS class 4dr
Porsche 911 Turbo convertible 4WD
www.hldi.org
= $283 per insured vehicle year
Worst collision overall losses for vehicles priced under $30 000
Mitsubishi Lancer 4WD
for vehicles priced under $30,0002008-10 passenger vehicles
Subaru Impreza WRX 4WD
Mitsubishi Lancer
Scion tC
Nissan Altima
Hyundai Genesis 2dr
Subaru Impreza WRX 4WD
Honda Civic Si 4dr
Nissan Senra SE-R
Honda Civic Si 2dr
0 100 200 300
Suzuki SX4
Honda Civic Si 4dr
www.hldi.org
= $283 per insured vehicle year
Collision results for 2008-10 small 4-door cars with high performance variantswith high performance variants
relative relative relativemake series years exposure claims frequency severity overall losses
Honda Civic 08-10 607,016 47,696 112 94 105
Honda Civic Si 08-10 29 923 2 845 136 107 146Honda Civic Si 08-10 29,923 2,845 136 107 146
Mitsubishi Lancer 4WD 09-10 1,396 145 148 135 200
Mitsubishi Lancer Evolution 4WD 08-10 6,629 727 157 160 251
Nissan Sentra 08-10 232,776 19,241 118 104 123
Nissan Sentra SE-R 08-10 5,401 506 134 109 146
Subaru Impreza 4WD 08-10 48,795 4,373 128 95 121
Subaru Impreza WRX 4WD 08-10 11,537 1,185 147 118 173
www.hldi.org
Horsepower
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Corporate average fuel economy (CAFE)By model yearBy model year
30
20
10
passenger cars goal
light trucks goal
passenger cars actualpassenger cars actual
light trucks actual
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01978 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 2000 01 02 03 04 05 06 07
Average vehicle horsepowerBy model yearBy model year
300cars
pickups
SUVs
200
100
0
www.hldi.org
1983 85 90 95 2000 05 10
BMW 5 seriesPercent of vehicles by horsepowerPercent of vehicles, by horsepower
600
500
400
5002006 models1997 models
282
360
300
400
190215
255
200
0
100
www.hldi.org
0
Chrysler sedansPercent of vehicles by horsepowerPercent of vehicles, by horsepower
500
340
425400
2006 models1997 models
250
340
300
150163 168
214
150
190200
0
100
www.hldi.org
0
Collision claim frequenciesBy vehicle power and rated driver age groupBy vehicle power and rated driver age group
16
12
8
4 65+ years old
16-25 years old
25-64 years old
03 4 5 6 7 8 9 10 11 12
www.hldi.org
horsepower per 100 lbs.
Collision claim severitiesBy vehicle power and rated driver age groupBy vehicle power and rated driver age group
$7,000
$5,000
$6,000
$3,000
$4,000
$1 000
$2,000
$ ,
65+ years old
16-25 years old
25-64 years old
$0
$1,000
3 4 5 6 7 8 9 10 11 12
www.hldi.org
horsepower per 100 lbs.
Collision overall lossesBy vehicle power and rated driver age groupBy vehicle power and rated driver age group
$1,200
16 25 years old
$800
$1,00065+ years old
16-25 years old
25-64 years old
$600
$800
$200
$400
$0
$200
3 4 5 6 7 8 9 10 11 12
www.hldi.org
horsepower per 100 lbs.
Change in overall losses per unit of power4-door cars 2003-05 models4-door cars, 2003-05 models
15%16-24 years old25-64 years old65+ years old
5%
10%
0%
5%
Collision PDL PIP BI MedPay
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www.hldi.orgSource of insurance loss statistics on mostcar SUV pickup and motorcycle modelswww.hldi.org car, SUV, pickup, and motorcycle modelson the road
