canadian institute of actuaries vancouver june 2007 insurance-driven vehicle safety improvements...
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Canadian Institute of Canadian Institute of ActuariesActuaries
Vancouver Vancouver June 2007June 2007
Insurance-DrivenInsurance-DrivenVehicle Safety Vehicle Safety ImprovementsImprovements
John Gane
Trends in Auto Safety Trends in Auto Safety FeaturesFeatures
CrashworthinessCrashworthiness Whiplash ProtectionWhiplash Protection
BumpersBumpers Active Safety Systems Active Safety Systems
Effect on Insurance Losses
HumanHuman VehicleVehicle RoadRoad
Drinking & DrivingSafety PromotionLegislation
Pre-Pre-CrashCrash
CrashCrash
Post-Post-CrashCrash
Seat Belt Usage
Child Restraint
RehabilitationOutcomes Research
Compensation System
Equipment
Standards
Head Restraints
Air Bag Performance
Child Restraints
Vehicle Repair
Roadside Barriers
Intersection-RelatedTraffic ControlRoad Design
CrashworthinessCrashworthiness
MVA Fatality Rate in MVA Fatality Rate in CanadaCanada
1983 – 20021983 – 2002Source: Transport CanadaSource: Transport Canada
0
1
2
3
4
5
Number (Thousands)Per 10,000 Vehicles
Side ImpactsSide Impacts
Crashworthiness Crashworthiness ImprovementsImprovements::
5,200 lives/year5,200 lives/year==
52 lives/year in B.C52 lives/year in B.C..
Whiplash InjuriesWhiplash InjuriesWhiplash InjuriesWhiplash Injuries
60% of all injuries60% of all injuries $600,000,000/yr. in B.C.$600,000,000/yr. in B.C.
30,000 injuries30,000 injuries
60% of all injuries60% of all injuries $600,000,000/yr. in B.C.$600,000,000/yr. in B.C.
30,000 injuries30,000 injuries
Whiplash injury preventionWhiplash injury preventionRCAR geometric rating for head restraintsRCAR geometric rating for head restraints
distance above/below top of average-size man’s head (cm)
4
-18
0
-6
-8
-10
2
-2
-4
-12
-14
-16
good
poor
acceptable
marginal
6 10 12 8 42 14 16 18
backset (cm)
Head restraint geometric Head restraint geometric evaluations evaluations
Passenger cars in model years 1995-Passenger cars in model years 1995-20052005
0
10
20
30
40
50
60
70
80
90
100
110
1995 1997 1999 2001 2003 2004 2005
poor
marginal
acceptable
good
80%
60%
40%
20%
Improved geometry reduces Improved geometry reduces injury claims rates in rear injury claims rates in rear
crashes of carscrashes of cars100 = average claims rate for all cars each 100 = average claims rate for all cars each
yearyear
40
60
80
100
120
140
160
good acceptable marginal poor good acceptable marginal poor good acceptable marginal poor
2,500 lbs. 3,000 lbs. 3,500 lbs.
vehicle weight and head restraint evaluation
active
nonactive
U.S. Federal Motor Vehicle U.S. Federal Motor Vehicle Safety Standard 202aSafety Standard 202a
M.Y. 2008 Vehicles Must Achieve M.Y. 2008 Vehicles Must Achieve “Good” “Good” Geometry Measurements Geometry Measurements
ICBC Head Restraint Measurement ICBC Head Restraint Measurement
Device is the Compliance ToolDevice is the Compliance Tool
Published January 2005 Published January 2005
ICBC – Canada
Insurance Institute for Highway Safety – USA
Thatcham Research – UK
Allianz Insurance – Germany
Insurance Australia Group - Australia
‘‘03 Grand Am / ’02 Windstar03 Grand Am / ’02 Windstar
National Coverage – 18 Stories
Pickups and SUVsPickups and SUVsJanuary 2006January 2006
Results:Results:
44 SUVs – 6 “good”44 SUVs – 6 “good”Ford FreestyleFord Freestyle
Honda PilotHonda PilotJeep Grand CherokeeJeep Grand Cherokee
Land Rover LR3Land Rover LR3Subaru ForesterSubaru Forester
Volvo XC90Volvo XC90
15 Pickups – 0 “good15 Pickups – 0 “good””
2004 models
57%
20%
15%
8%
2006 models
33%
27%
24%
16%
poormarginalacceptablegood
Improvement in rear crash Improvement in rear crash protection ratings for carsprotection ratings for cars
U.S.& Canada models, 2004 vs. U.S.& Canada models, 2004 vs. 20062006
BumpersBumpers
Corner Impacts
5 km/h
Active Safety Active Safety SystemsSystems
Future Crash Mitigation Future Crash Mitigation TechnologyTechnology
Electronic Stability Control
Collision Mitigation Braking System
Lane Departure Warning
Vehicle Safety ResearchVehicle Safety Research