• Predicted availability of safety features on registered vehicles — an updateSeptember 2014

    A prior report from HLDI showed that it typically takes approximately three decades for technologies to spread through the fleet. The current analysis uses similar methodology but focuses on collision avoidance features. The analysis shows that it typically takes decades before most vehicles on the road could have a given feature, either because it came as standard equipment or was offered as an option. (Vol. 31, No. 15 | September 2014)

  • Honda Accord collision avoidance features: initial resultsApril 2014

    This analysis examines the effect of crash avoidance systems on losses for the Honda Accord. Forward Collision Warning combined with Lane Departure Warning is associated with claim frequency reductions across coverages. LaneWatch, a blind spot detection system, also shows reductions in physicial damage claim frequencies. (Vol. 31, No. 2 | April 2014)

  • Volvo City Safety loss experience — an updateDecember 2012

    Updated results for the XC60, as well as initial results for the Volvo S60, confirm that City Safety is reducing losses substantially. In the new study, property damage liability claim frequency was estimated to be 15 percent lower than relevant control vehicles for the XC60 and 16 percent lower for the S60. Collision frequency was reduced by an estimated 20 percent for the XC60 and 9 percent for the S60. Both vehicles also showed reductions in collision claim severity and reductions in overall losses for collision and property damage liability. Under bodily injury liability, frequency was 33 percent lower for the XC60 and 18 percent lower for the S60. (Vol. 29, No. 23 | December 2012)

  • Mercedes-Benz collision avoidance features: initial resultsApril 2012

    Mercedes-Benz offers a wide range of collision avoidance features. Results for its forward collision warning systems, Distronic and Distronic Plus, are particularly promising. These systems reduce claims under property damage liability (PDL) coverage and, to a lesser extent, collision coverage. The effects are more pronounced for Distronic Plus, which includes adaptive brake assistance and autonomous braking. Headlamp improvements also appeared beneficial. However, the biggest effect for Active Curve Illumination was seen in PDL claims and not, as had been expected, collision claims. Both collision and PDL claim frequency decreased significantly for vehicles with Night View Assist or Night View Assist Plus. Other features did not show significant reductions in claims. (Vol. 29, No. 7 | April 2012)

  • Predicted availability of safety features on registered vehiclesApril 2012

    This bulletin quantifies the prevalence of several vehicle features in the registered vehicle fleet, tracing that prevalence from introduction through the most current registration data and predicting how long it will take for each feature to become available on 100 percent of vehicles. It takes a long time for new vehicle features to spread through the registered vehicle fleet. Even when features are required by the government, it takes many years for features to be available on all vehicles. (Vol. 28, No. 26 | April 2012)

  • Volvo collision avoidance features: initial resultsApril 2012

    This initial analysis of the effect on insurance claims of four crash avoidance features, two of which are combinations of multiple features, suggests that they are helping drivers avoid some crashes reported to insurers. However, except in the case of Volvo’s steering-responsive headlights, the estimated benefits are not statistically significant. Volvo’s Active Bending Lights reduce property damage liability claim frequency as well as bodily injury claim frequency, but there was not a corresponding reduction in collision claim frequency. (Vol. 29, No. 5 | April 2012)

  • Acura collision avoidance features: initial resultsDecember 2011

    This analysis examines three Acura collision avoidance features: Collision Mitigation Braking System, Active Front Lighting System, and Blind Spot Information. Vehicles with Collision Mitigation Braking show significant reductions in property damage liability claims, as would be expected from a forward collision warning system. Results for the other two features are not significant, nor are they patterned as expected. Additional data is needed before conclusions can be drawn. (Vol. 28, No. 21 | December 2011)

  • Buick collision avoidance features: initial resultsDecember 2011

    Several collision avoidance systems are options on the Buick Lucerne. Lane Departure Warning and Side Blind Zone Alert are offered together. Ultrasonic Rear Parking Assist is available separately. This analysis of insurance claims shows that the parking assist feature is working to reduce losses. The frequency of both collision and property damage liability claims is lower for vehicles that have it than for those that don't. No insurance loss benefit was found for Buick's side assist systems of Lane Departure Warning and Side Blind Zone Alert. (Vol. 28, No. 22 | December 2011)

  • Mazda collision avoidance features: initial resultsDecember 2011

    Three collision avoidance features offered by Mazda appear to be reducing some insurance losses, but the reductions are not completely in line with expectations. The Adaptive Front Lighting System is associated with a large reduction in claims for damage to other vehicles even though most crashes at night are single-vehicle. Blind Spot Monitoring appears to reduce the frequency of all types of injury claims and claims for damage to other vehicles, which was more expected. For backup cameras, the only significant effect on claim frequency was a paradoxical increase in collision claims. There was also a decrease in high-severity claims for bodily injury, suggesting a reduction in collisions with nonoccupants. (Vol. 28, No. 13 | December 2011)

  • Volvo City Safety loss experience: initial results bulletinJune 2011

    The study of insurance claims found that Volvo XC60 midsize SUVs outfitted with a standard collision avoidance feature called City Safety are far less likely to be involved in low-speed crashes than comparable vehicles without the system. Claims under property damage liability coverage — the insurance that pays for damage to vehicles that an at-fault driver hits — were filed 27 percent less often for the XC60 than other midsize luxury SUVs. (Vol. 28, No. 6 | June 2011 | Appendix available upon request)