![Page 1: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/1.jpg)
![Page 2: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/2.jpg)
Canadian Institute of Canadian Institute of ActuariesActuaries
Vancouver Vancouver June 2007June 2007
Insurance-DrivenInsurance-DrivenVehicle Safety Vehicle Safety ImprovementsImprovements
John Gane
![Page 3: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/3.jpg)
Trends in Auto Safety Trends in Auto Safety FeaturesFeatures
CrashworthinessCrashworthiness Whiplash ProtectionWhiplash Protection
BumpersBumpers Active Safety Systems Active Safety Systems
Effect on Insurance Losses
![Page 4: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/4.jpg)
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
![Page 5: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/5.jpg)
CrashworthinessCrashworthiness
![Page 6: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/6.jpg)
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
![Page 7: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/7.jpg)
![Page 8: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/8.jpg)
![Page 9: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/9.jpg)
Side ImpactsSide Impacts
![Page 10: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/10.jpg)
![Page 11: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/11.jpg)
Crashworthiness Crashworthiness ImprovementsImprovements::
5,200 lives/year5,200 lives/year==
52 lives/year in B.C52 lives/year in B.C..
![Page 12: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/12.jpg)
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
![Page 13: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/13.jpg)
![Page 14: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/14.jpg)
![Page 15: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/15.jpg)
![Page 16: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/16.jpg)
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)
![Page 17: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/17.jpg)
![Page 18: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/18.jpg)
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%
![Page 19: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/19.jpg)
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
![Page 20: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/20.jpg)
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
![Page 21: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/21.jpg)
ICBC – Canada
Insurance Institute for Highway Safety – USA
Thatcham Research – UK
Allianz Insurance – Germany
Insurance Australia Group - Australia
![Page 22: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/22.jpg)
![Page 23: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/23.jpg)
‘‘03 Grand Am / ’02 Windstar03 Grand Am / ’02 Windstar
![Page 24: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/24.jpg)
![Page 25: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/25.jpg)
![Page 26: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/26.jpg)
National Coverage – 18 Stories
![Page 27: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/27.jpg)
Pickups and SUVsPickups and SUVsJanuary 2006January 2006
![Page 28: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/28.jpg)
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””
![Page 29: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/29.jpg)
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
![Page 30: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/30.jpg)
BumpersBumpers
![Page 31: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/31.jpg)
![Page 32: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/32.jpg)
![Page 33: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/33.jpg)
![Page 34: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/34.jpg)
Corner Impacts
![Page 35: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/35.jpg)
5 km/h
![Page 36: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/36.jpg)
Active Safety Active Safety SystemsSystems
Future Crash Mitigation Future Crash Mitigation TechnologyTechnology
![Page 37: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/37.jpg)
Electronic Stability Control
Collision Mitigation Braking System
Lane Departure Warning
![Page 38: Canadian Institute of Actuaries Vancouver June 2007 Insurance-Driven Vehicle Safety Improvements John Gane](https://reader035.vdocuments.mx/reader035/viewer/2022070402/56649f265503460f94c3dc22/html5/thumbnails/38.jpg)
Vehicle Safety ResearchVehicle Safety Research