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Transcript of Tomorrow Today - CPCU adaptive cruise control) (blind spot warning) Buick Lane departure warning,...

  • Tomorrow Today Safe-Driving Technologies of

    Tomorrow, Here Today

    Co-Sponsored by the

    CPCU Personal Lines Interest Group

    & the Information Technology Interest Group

  • Learn about technologies that are changing the driving experience

    from assisting drivers to eliminating the need for them altogether

    Explore regulatory and insurance industry changes and challenges

    resulting from these new capabilities

    Further meet customer expectations by gaining perspective from a

    panel of experts on adopting and using new technologies

    Learning Objectives

  • Opening Remarks

    Need Section/Presentation Title

    Kim Hazelbaker

    Senior Vice President, Highway Loss Data Institute

    Autonomous Vehicles in California

    Bernard C. Soriano, PhD

    Deputy Director, California DMV

    Issues Raised by Autonomous Cars

    Patrick B. Woods, FCAS, MAAA

    Assistant Vice President & Actuary, Personal Automobile Actuarial,

    ISO Insurance Programs and Analytic Services

    Open Forum

    Agenda

  • Crash Avoidance

    Technologies Kim Hazelbaker

    Senior Vice President, Highway Loss Data

    Institute

    www.hldi.org

  • www.hldi.org

    The Insurance Institute for Highway Safety Founded in 1959

    An independent, nonprofit, scientific, and educational organization

    Dedicated to reducing the losses deaths, injuries, and 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 and by publishing insurance loss results by vehicle make and model.

    Both organizations are wholly supported by auto insurers.

    www.hldi.org

  • Member groups Acceptance Insurance

    ACE Private Risk Services

    Affirmative Insurance

    Alfa Alliance Insurance Corporation

    Alfa Insurance

    Allstate Insurance Group

    American Family Mutual Insurance

    American National Property and Casualty Company

    Ameriprise Auto & Home

    Amica Mutual Insurance Company

    Auto Club Enterprises

    Auto Club Group

    Auto-Owners Insurance

    Aviva Insurance

    Bankers Insurance Group

    Bituminous Insurance Companies

    California Casualty Group

    California State Auto Group

    Capital Insurance Group

    Chubb & Son

    Colorado Farm Bureau Mutual Insurance Company

    Commonwealth Mutual Insurance Company of America

    Concord Group Insurance Companies

    COUNTRY Financial

    CSAA Insurance Group

    CSE Insurance Group

    Direct General Corporation

    Erie Insurance Group

    Esurance

    Farm Bureau Financial Services

    Farm Bureau Insurance of Michigan

    Farm Bureau Mutual Insurance Company of Idaho

    Farmers Insurance Group of Companies

    Farmers Mutual Hail Insurance Company of Iowa

    Farmers Mutual of Nebraska

    Florida Farm Bureau Insurance Companies

    Frankenmuth Insurance

    Freestone Insurance Company

    Gainsco Insurance

    GEICO Group

    The General Insurance

    Georgia Farm Bureau Mutual Insurance Company

    Goodville Mutual Casualty Company

    Grange Insurance

    Hallmark Insurance Company

    Hanover Insurance Group

    The Hartford

    Haulers Insurance Company, Inc.

    Horace Mann Insurance Companies

    ICW Group

    Imperial Fire & Casualty Insurance Company

    Indiana Farmers Mutual Insurance Company

    Infinity Property & Casualty

    Kemper Preferred

    Kentucky Farm Bureau Insurance

    Liberty Mutual Insurance Company

    Louisiana Farm Bureau Mutual Insurance Company

    Maryland Automobile Insurance Fund

    Mercury Insurance Group

    MetLife Auto & Home

    Michigan Millers Mutual Insurance Company

    MiddleOak

    Mississippi Farm Bureau Casualty Insurance Company

    MMG Insurance

    Mutual of Enumclaw Insurance Company

    Nationwide

    New Jersey Manufacturers Insurance Group

    Nodak Mutual Insurance Company

    Norfolk & Dedham Group

    North Carolina Farm Bureau Mutual Insurance Company

    Northern Neck Insurance Company

    Ohio Mutual Insurance Group

    Old American County Mutual Fire Insurance

    Old American Indemnity Company

    Oregon Mutual Insurance

    Pekin Insurance

    PEMCO Insurance

    Plymouth Rock Assurance

    Progressive Corporation

    QBE

    The Responsive Auto Insurance Company

    Rockingham Group

    Safe Auto Insurance

    Safeco Insurance

    Samsung Fire & Marine Insurance Company

    SECURA Insurance

    Sentry Insurance

    Shelter Insurance

    Sompo Japan Insurance Company of America

    South Carolina Farm Bureau Mutual Insurance Company

    Southern Farm Bureau Casualty Insurance Company

    State Auto Insurance Companies

    State Farm

    Tennessee Farmers Mutual Insurance Company

    Texas Farm Bureau Insurance Companies

    Tower Group Companies

    The Travelers Companies

    United Educators

    USAA

    Utica National Insurance Group

    Virginia Farm Bureau Mutual Insurance

    West Bend Mutual Insurance Company

    Western National

    Westfield Insurance

    XL Group plc

    Zurich North America

    www.hldi.org

  • 50th Anniversary

    www.hldi.org

  • www.hldi.org

    Forty Mile per Hour Frontal Offset Crash Test

    1959 Chevrolet Bel Air and 2009 Chevrolet Malibu

    www.hldi.org

  • www.hldi.org

    Size of HLDI Passenger Vehicle Database Number of unique VINs in files, September 2014

    Model Year Number of Vehicles

    2005 16,045,166

    2006 15,097,690

    2007 14,819,925

    2008 13,089,841

    2009 8,559,498

    2010 9,847,982

    2011 10,358,232

    2012 11,062,716

    2013 11,253,485

    2014 7,225,990

    Total 117,360,525

    www.hldi.org

  • Crash Avoidance Systems

    www.hldi.org

  • www.hldi.org

  • Driver assistance features

    Radar, LIDAR, ultrasonic, infrared, cameras, GPS

    www.hldi.org

  • Mercedes Advertisement

    www.hldi.org

  • www.hldi.org www.hldi.org

  • www.hldi.org

    PDL Claim Frequencies for 2010-12 Volvo XC60 With

    City Safety vs. Other 2009-12 Midsize Luxury SUVs

    0

    2

    4

    6

    8

    10Calendar years 2009-12

    www.hldi.org

  • Volvo XC60 City Safety Updated Results

    Vs. Other Volvos Claim

    Frequency

    Claim

    Severity

    Overall

    Losses

    Property damage

    liability -8.3% -5.2% -1.9% $206 $291 $373 $0 $4 $7

    Bodily injury -41.5% -33.7% -

    25.0%

    Collision -13.3% -11.4% -9.3% -$261 -$148 -$38 -$50 -$40 -$30

    Vs. Other Midsize

    Luxury SUVs

    Claim

    Frequency

    Claim

    Severity

    Overall

    Losses

    Property damage

    liability -16.0% -14.6% -13.1% -$89 -$42 $4 -$17 -$15 -$12

    Bodily injury -37.6% -33.3% -28.7%

    Collision -21.1% -20.2% -19.3% -$512 -$450 -$389 -$98 -$92 -$86

    www.hldi.org

  • Collision Avoidance Technology

    Acura

    Adaptive headlights, collision mitigation braking

    system (forward collision warning with auto brake

    and adaptive cruise control) (blind spot warning)

    Buick Lane departure warning, rear park assist

    Infiniti

    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)

    www.hldi.org

  • Collision Avoidance Technology

    Mazda Adaptive headlights, blind spot warning, rear

    camera

    Mercedes Benz

    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)

    Volvo

    Adaptive headlights, blind spot warning, park

    assist, rear camera (adaptive cruise control, lane

    departure warning, forward collision warning with

    auto brake)

    www.hldi.org

  • 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 2000-11

    Calendar years 1999-2011

    Modeling

    approach

    Only vehicles with features included, each feature

    treated as a variable, model run for each coverage type

    for frequency and severity

    www.hldi.org

  • Forward Collision Warning

    www.hldi.org

  • www.hldi.org www.hldi.org

  • www.hldi.org

    Property Damage Liability Losses

    for Forward Collision Warning

    With Feature vs. Without

    Claim

    Frequency

    Claim

    Severity

    Overall

    Losses

    Mercedes

    with adaptive cruise

    control

    -12.0% -7.1% -1.9% -$100 $58 $225 -$10 -$4 $2

    Volv