• Evaluation of motorcycle antilock braking systemsSeptember 2014

    The purpose of this study is to evaluate ABS on motorcycles using a motorcycle rider’s auto claim frequency as an indicator of the riders’ penchant for risk in addition to other predictive variables. After controlling for a rider’s auto claim frequency, motorcycles with ABS are associated with a 21% reduction in motorcycle collision claim frequency compared with motorcycles without ABS, which is consistent with previous findings. (Vol. 31, No. 11 | September 2014)

  • Evaluation of motorcycle antilock braking systems, alone and in conjunction with combined control braking systemsApril 2013

    The purpose of this study was to update prior analysis on the relationship between ABS and insurance losses under collision, medical payments, and bodily injury liability coverages and to conduct a similar evaluation of motorcycles with both ABS and combined control braking systems (CCBS). ABS was associated with large reductions in claim rates for all coverage types — 20 percent for collision, 28 percent for medical payment, and 22 percent for bodily injury liability. The reduction in collision claim frequency associated with ABS/CCBS (31 percent) was larger than the reduction for ABS alone. (Vol. 30, No. 10 | April 2013 | Appendix available upon request)

  • The effects of Michigan's weakened motorcycle helmet use law on insurance lossesApril 2013

    In April 2012, Michigan changed its motorcycle helmet law to allow motorcyclists 21 and older to ride without a helmet if they carry at least $20,000 in medical payments coverage. Overall medical payments costs were 50 percent higher than expected for Michigan after the law change. Most of that increase stemmed from an increase in claim severity of 36 percent. After the law change some motorcyclists increased their medical payments policy limits to the required minimum. When policy limits are taken into account, medical payments claim severity is estimated to have increased 22 percent, consistent with expectation that crashes after the law change resulted in more severe injuries as a result of less helmet use. (Vol. 30, No. 9 | April 2013)

  • Insurance report: Motorcycle antilock braking system (ABS)April 2012

    This report compares collision, bodily injury and medical payment losses for 22 motorcycle models available with optional ABS. A 23 percent significant reduction in collision claim frequencies and a significant 34 percent reduction in medical payment claim frequency was found for motorcycles equipped with ABS. For bodily injury, a significant 31 percent reduction was found. (A-84 | April 2012)

  • Motorcycle ABS and time to claimApril 2012

    Antilock braking systems (ABS) have previously been shown to reduce motorcycle collision claim frequencies. The current study examines how this effect varies, depending on the length of time a motorcycle has been insured. The study shows that ABS is associated with a 30 percent reduction in collision claim frequency during the first 90 days of a policy and 19 percent after that. (Vol. 29, No. 4 | April 2012)

  • Helmet use laws and medical payment injury risk for motorcyclists with collision claimsDecember 2009

    This bulletin examined the relationship between state helmet laws and the rate at which medical payment claims arise from collision claims. Injury risk was estimated at 0.52 for universal law states, 0.53 for partial law states, and 0.55 for no law states. (Vol. 26, No. 13 | December 2009)

  • Insurance special report: Motorcycle antilock braking system (ABS)December 2009

    This report compares collision, bodily injury and medical payment losses for 18 motorcycle models available with optional ABS. A 22 percent significant reduction in collision claim frequency and a significant 30 percent reduction in medical payment claim frequency was found for motorcycles equipped with ABS. For bodily injury, a significant 33 percent reduction was found. (A-81 | December 2009)

  • Motorcycle collision coverage claims in states with required motorcycle rider trainingDecember 2009

    This bulletin examines whether states requiring rider education have lower motorcycle crash risk for those subject to the requirement than states without a requirement. Results suggest a 10 percent increase in collision claim frequency for riders younger than 21 in states where they are subject to an education requirement. (Vol. 26, No. 12 | December 2009)

  • Motorcycle antilock braking system (ABS)April 2008

    This bulletin compared the collision losses of 12 motorcycle models available with ABS. Model years of the motorcycles studied ranged from 2003 to 2007. Significant reductions in collision claim frequency and overall losses were found for motorcycles equipped with ABS. No significant reductions were found for claim severity. (Vol. 25, No. 1 | April 2008)