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