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| Estimated injury odds under collision & personal injury protection coverage |
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| Estimated injury odds under collision & medical payment coverage |
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Collision coverage pays to repair or replace an at-fault driver's vehicle after a crash with an object or another vehicle. Personal injury protection, or PIP, pays medical expenses for injuries insured drivers and other people in their vehicles sustain in a crash, no matter who is at fault in the collision. Medical payment, or MedPay, covers treatment costs when insured drivers or their passengers are hurt in crashes when the driver is at fault. PIP coverage is sold in states with no-fault insurance systems, and MedPay coverage is sold in tort states.
Hybrids' injury odds were 27 percent lower than their standard counterparts for collision claims with a related PIP claim and 25 percent lower than their twins for collision claims with a related MedPay claim.
Crash physics: It's well known that size and weight influence injury likelihood. In a collision involving two vehicles that differ in size and weight, the people in the smaller, lighter vehicle will be at a disadvantage. The bigger, heavier vehicle will push the smaller, lighter one backward on impact. This means less force on people in the heavier vehicle and more on the people in the lighter one. Greater force means greater risk, so people in the smaller, lighter vehicle are more likely to be injured. Even in single-vehicle crashes, heavier vehicles have an advantage because they are more likely to move, bend, or deform objects they hit.
Even with advances in occupant protection, larger vehicles still are safer choices than smaller ones. That's why downsizing vehicles to improve fuel efficiency has traditionally resulted in safety trade-offs. The trend among automakers nowadays is to boost fuel economy by designing more efficient internal combustion engines and by adding hybrids to their fleets.
Although hybrids share the same footprint and structure as their conventional counterparts, they outweigh them because of the added heft of battery packs and other components used in dual-power systems. At about 3,600 pounds, a hybrid Honda Accord midsize sedan, for example, can weigh as much as 480 pounds more than a conventional Accord. A hybrid Toyota Highlander, a midsize SUV, weighs about 4,500 pounds, compared with about 4,170 pounds for the conventional Highlander.
The Toyota Prius and Honda Insight were excluded from the study because they are only sold as hybrids. The analysis controlled for calendar year, rated driver age and gender, marital status, vehicle density (number of registered vehicles per square mile), garaging state, vehicle series, and vehicle age.
Hybrids and pedestrians: A separate analysis by HLDI shows that hybrids may be as much as 20 percent more likely to be involved in pedestrian crashes with injuries than their conventional twins.
Analysts examined how frequently injury claims were filed for 17 hybrids and their nonhybrid counterparts when there was no related collision or property damage. Studied vehicles included 2002-10 full hybrid models and their standard twins during 2004-2010 calendar years, totaling 25,382 bodily injury liability claims and 2.9 million years of exposure.
Bodily injury liability coverage insures against medical, hospital, and other expenses for injuries that at-fault drivers inflict on occupants of other vehicles or others on the road.
Claim frequencies were defined as claims per 1,000 insured vehicle years (an insured vehicle year is 1 vehicle insured for 1 year or 2 for 6 months each, etc.). The analysis controlled for calendar year, rated driver age, rated driver gender, marital status, risk, registered vehicle density, garaging state, vehicle series, and vehicle age.
"When hybrids operate in electric-only mode pedestrians can't hear them approaching," says Moore, "so they might step out into the roadway without checking first to see what's coming."
It's a problem that's cropped up as hybrids have become more common, and it's one the National Highway Traffic Safety Administration is working to address. Earlier this year Congress gave the agency three years to come up with a requirement for equipping hybrids and electric models with sounds to alert unsuspecting pedestrians.
Moore points out that HLDI can't definitively tell from the claims data that a crash involved a pedestrian. Likewise, some pedestrian crashes may have been unintentionally excluded. For example, a crash in which a person was struck and injured and the vehicle also was damaged would have been omitted because a collision claim would have been filed for the damaged vehicle. However, a sample of the claims studied suggests that these are mostly pedestrian injury claims.
Video: Hybrid models have lower injury risk (01:19, will open in pop-up window)
Status Report, Vol. 46, No.10:
Cover story on the safety advantages of hybrids (PDF, 8 pages, 1 MB)
HLDI bulletin: Injury odds and vehicle weight comparison of hybrids and conventional counterparts (PDF, 10 pages, 263 KB)
HLDI bulletin: Pedestrian-related bodily injury liability claim frequencies, hybrids versus their conventional counterparts (PDF, 8 pages,169 KB)
News media contact:
Russ Rader
Senior Vice President,
Communications
Office: 703/247-1530
Mobile: 202/257-3591
rrader@iihs.org
Vehicle ratings reported in news releases apply to those specific dates only — for our latest results, see vehicle ratings.