Auto Technology and Safety
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1 Auto Technology and Safety Columbus, OH April 20, 2016 Mr. Kim Hazelbaker Sr. V.P.
2 IIHS 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. HLDI shares this mission by analyzing insurance data representing human and economic losses from crashes and other events related to vehicle ownership. Both organizations are wholly supported by auto insurers.
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5 Member groups Acceptance Insurance The General Insurance PEMCO Insurance ACE Private Risk Services Georgia Farm Bureau Mutual Insurance Company Plymouth Rock Assurance Affirmative Insurance Goodville Mutual Casualty Company Progressive Corporation Alfa Alliance Insurance Corporation Grange Insurance The Responsive Auto Insurance Company Alfa Insurance Hallmark Insurance Company Rockingham Group Allstate Insurance Group Hanover Insurance Group Safe Auto Insurance American Family Mutual Insurance The Hartford Safeco Insurance American National Haulers Insurance Company, Inc. Samsung Fire & Marine Insurance Company Ameriprise Auto & Home Horace Mann Insurance Companies SECURA Insurance Amica Mutual Insurance Company ICW Group Sentry Insurance Auto Club Enterprises Imperial Fire & Casualty Insurance Company Shelter Insurance Auto Club Group Indiana Farmers Mutual Insurance Company Sompo Japan Insurance Company of America Auto-Owners Insurance Infinity Property & Casualty South Carolina Farm Bureau Mutual Insurance Company Aviva Insurance Kemper Preferred Southern Farm Bureau Casualty Insurance Company Bankers Insurance Group Kentucky Farm Bureau Insurance State Auto Insurance Companies Bituminous Insurance Companies Liberty Mutual Insurance Company State Farm California Casualty Group Louisiana Farm Bureau Mutual Insurance Company Tennessee Farmers Mutual Insurance Company Capital Insurance Group The Main Street America Group Texas Farm Bureau Insurance Companies Chubb & Son Mercury Insurance Group Tower Group Companies Colorado Farm Bureau Mutual Insurance Company MetLife Auto & Home The Travelers Companies Concord Group Insurance Companies Michigan Millers Mutual Insurance Company United Educators COUNTRY Financial MiddleOak USAA CSAA Insurance Group Mississippi Farm Bureau Casualty Insurance Company Utica National Insurance Group CSE Insurance Group MMG Insurance Virginia Farm Bureau Mutual Insurance Direct General Corporation Munich Re America West Bend Mutual Insurance Company Erie Insurance Group Mutual of Enumclaw Insurance Company Western National Insurance Esurance Nationwide Westfield Insurance Farm Bureau Financial Services New Jersey Manufacturers Insurance Group XL Group plc Farm Bureau Insurance of Michigan Nodak Mutual Insurance Company Farm Bureau Mutual Insurance Company of Idaho Norfolk & Dedham Group Farmers Insurance Group of Companies North Carolina Farm Bureau Mutual Insurance Company Farmers Mutual Hail Insurance Company of Iowa Northern Neck Insurance Company Farmers Mutual of Nebraska Ohio Mutual Insurance Group Florida Farm Bureau Insurance Companies Old American County Mutual Fire Insurance Funding associations Frankenmuth Insurance Old American Indemnity Company American Insurance Association Gainsco Insurance Oregon Mutual Insurance National Association of Mutual Insurance Companies GEICO Group Pekin Insurance Property Casualty Insurers Association of America
6 The Big Picture Resident Total Fatalities Licensed Registered Property Injury crashes damage population drivers vehicles only crashes 314,886, ,159, ,876,822 5,687,000 1,591,000 4,066,000 32,719
7 Motor vehicle crash deaths and deaths per billion vehicle miles traveled , ,000 50,000 Motor vehicle crash deaths , , ,000 Crash deaths per billion vehicle miles traveled per billion 32,675 deaths 30,
8 Crash Testing 101
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10 IIHS crashworthiness tests Front moderate overlap, beginning 1995 Side impact, beginning 2003 Rear crash (whiplash mitigation), beginning 2004 Roof strength, beginning 2009 Front small overlap, beginning 2012
11 100% Crash protection ratings by model year Improvements beginning in 1995 Moderate overlap front 100% Side impact 100% Head restraints and seats 80% 80% 80% 60% 60% 60% 40% 40% 40% 20% 20% 20% 0% % % % Roof strength 100% Small overlap front 80% 60% 40% 80% 60% 40% poor marginal acceptable good 20% 20% 0% %
12 Small overlap frontal
13 Definition of small overlap Majority of loading outside longitudinal structures frame rail largely undamaged
14 Overhead video small overlap test
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19 TOP SAFETY PICK
20 Requirements for 2016 TOP SAFETY PICK awards Good rating in moderate overlap front, small overlap front, side, roof strength and head restraint tests & Basic rating for front crash prevention meet TOP SAFETY PICK criteria & Advanced or Superior rating for front crash prevention
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23 Highway Loss Data Institute
24 HLDI data providers have 84% share of PPA 21st Century Insurance Liberty Mutual Insurance Company Alfa Alliance Insurance Corporation Allstate Insurance Group American Family Mutual Insurance American National Family of Companies Amica Mutual Insurance Company Auto Club Group Automobile Insurers Bureau of Massachusetts Chubb & Son COUNTRY Financial CSAA Insurance Group Erie Insurance Group Esurance Farm Bureau Financial Services Farmers Insurance Group of Companies Florida Farm Bureau Insurance Companies MetLife Auto and Home National General Nationwide New Jersey Manufacturers Insurance Group PEMCO Insurance Plymouth Rock Assurance Progressive Corporation Rockingham Group Safeco Insurance Companies SECURA Insurance Sentry Insurance State Farm Insurance Companies Tennessee Farmers Mutual Insurance Company The Travelers Companies USAA Foremost GEICO Corporation The Hartford Kemper Preferred Kentucky Farm Bureau Insurance
25 Other data suppliers
26 Size of HLDI passenger vehicle database Number of unique VINs in files, February 2016 model year number of vehicles ,431, ,196, ,482, ,847, ,241, ,938, ,974, ,833, ,227, ,218,356 total 122,391,913
27 Coverages reported to HLDI Private Passenger Auto Collision Comprehensive Personal injury protection Medical payments Physical damage liability Bodily injury liability
28 Crash avoidance systems
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31 Mercedes advertisement
32 Collision Avoidance Technology Acura Adaptive headlights, Collision mitigation braking system (Forward collision warning with auto brake and Adaptive cruise control) (Blind spot warning) Buick Infiniti Lane departure warning, Rear park assist Adaptive headlights, Adaptive cruise control, Adaptive cruise control with full stop, Around view monitor, Brake assist, Lane departure warning, Lane departure prevention, Rear camera (Advance brake assist, Low speed follow, Forward collision warning with auto brake) Mazda Adaptive headlights, Blind spot warning, Rear camera Mercedes Benz Volvo Adaptive headlights, Adaptive head beam assist, Attention assist, Active blind spot assist, Blind spot warning, Distronic, DistronicPlus PreSafe brake, Lane departure warning, Night view assist, Night view assist with pedestrian protection, ParkTronic, Rear camera (Distronic Plus, Lane departure prevention, Park assist, Park guidance) Adaptive headlights, Blind spot warning, Park assist, Rear Camera (Adaptive cruise control, lane departure warning, Forward collision warning with auto brake)
33 Collision avoidance research project methods covariates calendar year, vehicle series and model year, rated driver age, rated driver gender, rated driver marital status, rated driver risk, state, registered vehicle density model years calendar years modeling approach only vehicles with features included, each feature treated as a variable, model run for each coverage type for frequency and severity
34 Forward collision warning
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36 Changes in physical damage claim frequency with front crash prevention systems 20% low speed warning only warning with autobrake 10% 0% -10% -20% PDL -30% Volvo City Safety Honda Accord camera (with LDW) Honda Accord radar (with LDW + ACC) collision Mercedes Volvo Acura Mercedes Subaru (with LDW) Volvo (with LDW)
37 Changes in injury claim frequency with front crash prevention systems 80% 40% low speed warning only warning with autobrake 0% -40% -80% 30% 20% 10% 0% -10% -20% -30% Volvo City Safety Volvo City Safety Honda Accord Honda Accord (includes LDW) Touring Honda Accord camera (with LDW) Honda Accord radar (with LDW + ACC) bodily injury liability Mercedes Volvo Acura Mercedes Subaru Volvo (includes LDW) low speed warning only warning with autobrake MedPay PIP Mercedes Volvo Acura Mercedes Subaru Volvo (includes LDW)
38 Front crash prevention systems Change in collision claim severity $1,500 low speed warning only warning with autobrake $1,000 $500 $0 -$500 -$1,000 Volvo City Safety Honda Honda Accord Accord camera (with radar (with LDW) LDW & ACC) Mercedes Volvo Acura Mercedes Subaru (with LDW) Volvo (with LDW)
39 Honda Accord forward collision warning Camera vs. radar available on trims other than Touring change in collision claim severity -$145 standard on Touring trim change in collision claim severity $522
40 Front crash prevention systems Change in collision overall losses $150 low speed warning only warning with autobrake $100 $50 $0 -$50 -$100 Volvo City Safety Honda Honda Accord Accord camera (with radar (with LDW) LDW & ACC) Mercedes Volvo Acura Mercedes Subaru (with LDW) Volvo (with LDW)
41 Adaptive headlights
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43 Adaptive headlights Change in claim frequency 12% 8% 4% 0% -4% -8% -12% -16% PDL collision -20% Acura Mazda Mercedes Volvo
44 Adaptive headlights Change in claim frequency 10% Bodily injury liability 0% -10% -20% 0% Acura Mazda Mercedes Volvo -10% -20% -30% -40% MedPay and PIP (1 st party injuries) MedPay PIP Acura Mazda Mercedes Volvo
45 Adaptive headlights Change in collision claim severity $1,000 $500 $0 -$500 -$1,000 Acura Mazda Mercedes Volvo
46 Adaptive headlights Change in collision overall losses $100 $50 $0 -$50 -$100 Acura Mazda Mercedes Volvo
47 Lane departure warning
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49 Lane departure warning systems Change in claim frequency 40% 30% PDL collision 20% 10% 0% -10% -20% -30% Mercedes Buick (& Blindspot) Honda Accord camera (& FCW) Honda Accord radar (& FCW/ACC) Subaru (& FCW/AEB) Volvo (& FCW/AEB)
50 Lane departure warning systems Change in claim frequency 0% -20% -40% 120% 80% bodily injury liability Mercedes Buick Honda Accord camera (w/fcw) Honda Accord radar (w/fcw & ACC) Subaru (w/ FCW/AEB) MedPay PIP Volvo 40% 0% -40% Mercedes Buick (& Blindspot) Honda Accord camera (& FCW) Honda Accord radar (& FCW ACC) Subaru (& FCW AEB) Volvo (& FCW AEB)
51 Growth rates of vehicle features in the U.S. vehicle fleet
52 New vehicle series with electronic stability control By model year 100% 80% 60% 40% 20% 0% standard optional not available
53 Registered vehicles with electronic stability control By calendar year 100% 80% 60% 40% 20% 0% standard optional not available
54 Registered vehicles with available electronic stability control, actual and predicted By calendar year 100% 80% 60% 40% 20% predicted actual 0%
55 New vehicle series with front crash prevention By model year 100% 80% 60% 40% 20% 0% standard optional not available
56 Registered vehicles with front crash prevention By calendar year 100% 80% 60% 40% 20% 0% standard optional not available
57 Registered vehicles with available front crash prevention, actual and predicted By calendar year 100% 80% 60% 40% predicted actual 20% 0%
58 Calendar year features reach 95% of registered vehicles with and without hypothetical mandate 2050 without mandate hypothetical 2016 mandate front crash prevention lane departure warning adaptive headlights blind spot warning rear camera* rear parking sensors * rear camera mandate May 1, 2018
59 Voluntary agreement to make AEB standard on all models by 2022
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61 vehicle to pedestrian vehicle to stationary vehicle vehicle to moving vehicle
62 Subaru advertisement
63 Google s driverless car
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68 Source of insurance loss statistics on most car, SUV, pickup, and motorcycle models on the road
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31325 98 ACADIA INSURANCE COMPANY 0 0 0 0 0 235,094 235,094 0.000077 20010 225 ACCEPTANCE INDEMNITY INSURANCE COMPANY 0 0 0 0 216,116 11,194 227,310 0.000075 22667 626 ACE AMERICAN INSURANCE COMPANY 15,683
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25143 176 STATE FARM FIRE AND CASUALTY COMPANY 0 0 22,182,467 14,640,428 538,603,066 35,411,439 588,654,933 0.193762 19275 473 AMERICAN FAMILY MUTUAL INSURANCE COMPANY, S.I. 203,649 198,036 15,713,180
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OREGON INSURANCE DIVISION STATE PAGE LINE: 24 - SURETY FOREIGN
22950 ACSTAR INSURANCE COMPANY IL 56,410 49,910 0 8,153 0 11,222 89,396 19097 ALLIED MUTUAL INSURANCE COMPANY IA 115,811 115,599 0 51,718 2,885 14,885 14,530 19232 ALLSTATE INSURANCE COMPANY IL 2,466 3,122
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1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70
GRAND TOTAL 847,190,072 60,329, ,519, ,786,174 1,387,431 N/A N/A N/A N/A -
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25143 176 STATE FARM FIRE AND CASUALTY COMPANY 0 0 22,401,315 14,932,717 539,756,468 35,541,417 590,230,602 0.197330 19275 473 AMERICAN FAMILY MUTUAL INSURANCE COMPANY 221,178 207,462 15,142,460 10,093,964
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OREGON INSURANCE DIVISION STATE PAGE LINE: COMMERCIAL AUTO PHYSICAL DAMAGE DOMESTIC
DOMESTIC 40541 GROCERS INSURANCE COMPANY OR 72,599 70,657 0 33,463 26,063 42,797 51,885 23892 NORTH PACIFIC INSURANCE CO. OR 3,127,965 3,094,116 0 1,515,358 2,072,401 1,921,749 135,527 20338 NORTHWESTERN
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25143 176 STATE FARM FIRE AND CASUALTY COMPANY 0 0 19,666,818 13,098,101 510,663,308 34,497,235 558,258,644 0.193591 19275 473 AMERICAN FAMILY MUTUAL INSURANCE COMPANY 218,153 190,725 14,717,954 9,802,157
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31325 98 ACADIA INSURANCE COMPANY 185 1,005 0 0 0 54,460 55,650 0.000019 20010 225 ACCEPTANCE INDEMNITY INSURANCE COMPANY 0 0 0 0 5,327,371 23,596 5,350,967 0.001856 22667 626 ACE AMERICAN INSURANCE COMPANY