Trends in Auto Safety & Insurance
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1 Driving While Driving While In-text-icated: In-text-icated: Trends in Auto Safety & Trends in Auto Safety Insurance & Insurance Wednesday, March 24, 2010
2 Introduction It s always a challenge to speak on emerging trends in an industry
3 Good ole days vs. Modern Progress
4 Introduction A remarkable past 36 months: Economy in significant flux Record high fuel costs Shifts in claim costs & insurance issues Additionally we have ongoing issues which persist in the exposure base. Let s examine each in more detail
5 Economic Pressures Change in management practices Safety cutbacks Morale exposure (ignore dents, etc.) Cutting costs (Driver Qualification/Training) Extending service life vs. replacing Strengthening supplier status for equipment replacement
6 Economic Pressures Trucking bankruptcies are slowing: about 2,220 truckers went bankrupt in 2009, compared to 5,500 in The figures do not include companies that just shut down operations without filing for bankruptcy. 2/18/2010
7 Economic Pressures Grey Fleet exposure on the rise: Many fleet managers have been outsourcing to their own employees Drive own car on company business No inspections, uncontrolled maintenance, simple reimbursement Full fleet exposure vs. hired & non-owned premiums
8 Economic Pressures Automated enforcement tools as revenue maker for cities, states
9 Economic Pressures [Cedar Rapids, IA] anticipates it can raise $750,000 for the city from the [proposed] enforcement cameras. Tickets go to the owners of vehicles, whether they were driving or not.
10 Economic Pressures Automated Enforcement By State (IIHS.org)
11 Economic Pressures Personal driving habits: Drug and Alcohol Abuse concerns Local communities reporting increases in traffic stop arrests for DUI
12 Economic Pressures Personal driving habits: Stated commitment to proactive maintenance Pushing older cars longer Under reporting of minor claims
13 Fuel Costs & Green Goals Fuel costs affect individuals, families and businesses.
14 Fuel Costs & Green Goals While individuals can: Curtail leisure driving Carpool Move to mass transit (where available) Replace vehicle for higher efficiency Businesses can t change as quickly and have fewer options.
15 Fuel Costs & Green Goals Businesses have already: Installed speed limiters Trained drivers to drive more gently Monitored tire pressure closely Tested new technology to change behaviors (i.e. GreenRoad Tech) OR Replaced equipment with hybrid or alternate fuel capability
16 Fuel Costs & Green Goals Going Green. Introduction of new vehicle technology and designs affecting crashworthiness, and repair costs Increase in motorcycle use & an increase in motorcycle crashes, too. Tiny for Two
17 Fuel Costs & Green Goals More interest in hybrid, exotic and ultra light vehicles (i.e. golf cart construction, electric cars, mopeds for local delivery) Some concerns with mini-cars
18 Fuel Costs & Green Goals While the average Bodily Injury costs (in 2007) were $8500, IRC found costs to be 14.3% greater if sustained in a lightweight vehicle.
19 Fuel Costs & Green Goals IRC found that: Claimants injured in lighter-weight vehicles were 12% more likely to be hospitalized following their injury than were claimants in heavier vehicles.
20 Fuel Costs & Green Goals 50% 45% 40% 35% 30% 25% 20% 15% 10% 5% 0% Mini Cars Mid Size Immediate Return to Work An 8 point difference in Immediate Return to Work Cases depending on size of auto
21 Fuel Costs & Green Goals Hybrids are more expensive to repair: Two engine systems in most hybrids Onboard computers Specialized parts Labor costs
22 Fuel Costs & Green Goals Motorcycles: 2008 marked the tenth consecutive year of increasing motorcycle deaths & a 7% increase from fatalities were the highest since NHTSA starting collecting data in In addition, motorcycle rider fatalities increased to 12.6% of all motor vehicle crash fatalities, compared with 5.5% in 1998.
23 Fuel Costs & Green Goals Motorcycles: Between 1998 and 2008, motorcycle fatalities rose 126%. In general, motorcyclists are about 35 times more likely than passenger car occupants to die in a crash and 8 times more likely to be injured.
24 Fuel Costs & Green Goals Motorcycles:
25 Insurance Industry Changes Insurance industry changes: Increasing medical costs (increasing faster than for Workers Comp, etc.) Predicted rise in U/UIM due to economy Emerging technologies Potential changes in coverage
26 Medical Expense The Insurance Research Council (IRC) has found that medical expenses reported by auto injury claimants continue to rise faster than the rate of inflation: Average claimed economic losses bodily injury grew 9% annualized, from $5,520 in 2002 to $8,522 in In comparison, Consumer Price Index (CPI) was only 3% over the same period; the CPI inflation rate for medical care was 4%.
27 Medical Expense A 2008 IRC study looked at data on more than 42,000 closed auto injury claims. Two factors as likely explanations for the faster growth in medical care expenses: more frequent use of more expensive treatment alternatives and increased unit cost for claimed treatment.
28 Uninsured Motorist Although the estimated percentage of uninsured motorists decreased nationally, from 14.9% in 2003 to 13.8% in 2007, the recent economic downturn might reverse that trend. /IRC_UM_ pdf
29 Uninsured Motorist IRC recently released a study, Uninsured Motorists, 2008 Edition: The extent of the uninsured motorists problem varies widely from state to state. The report also found a strong correlation between the percent of uninsured motorists and the unemployment rate: An increase in the unemployment rate of one percentage point is associated with an increase in the uninsured motorist rate of more than three-quarters of a percentage point.
30 Emerging Technologies Web-based Auto Insurance Verification: In Texas, a web-based system available to check whether a driver has auto insurance. An estimated one in five vehicles, about 4 million, did not have proper insurance, according to TexasSure, the vendor. Funded by a $1 fee on vehicle registrations The program is a joint effort by the Texas Departments of Public Safety, Transportation and Insurance
31 Emerging Technologies Automated, roadside identification of uninsured motorists has been proposed in Nevada.
32 Emerging Technologies Increasing use of onboard recorders leads to E-Discovery & Spoliation of Evidence
33 Emerging Technologies
34 Ongoing Issues Crash Stats Mileage down, Fatalities down However, crashes did not decline at the same rate: Early estimates for 2009 = fatalities decreased by 8.9% (from 37,261 to 33,963) However, crash rate reduced only 1.2%-1.5% More survivors, more expense
35 Ongoing Issues Distractions 1. Expansion of litigation s reach 2. Is there a solution to distracted driving? Disciplined Driving: Reporting Violations for Coaching and Counseling versus Technology: Blocking cell use except for emergencies
36 Ongoing Issues Distractions Litigation reaching out to explore relationships, nature of conversation
37 Ongoing Issues Distractions
38 Ongoing Issues Youthful Drivers
39 Ongoing Issues Youthful Drivers Despite wide acceptance of Graduated Drivers License programs, teens and young adults continue to crash at alarming rates Driving While In-Texticated Affordable cars = uncrashworthy or just plain old Binge drinking cited as new issue for DUI/DWI
40 Ongoing Issues Youthful Drivers Tightening of GDL rules Adjusting hours of operation Tough penalties for infractions Kyleigh s Law in NJ
41 Ongoing Issues Youthful Drivers Best States for teen driving:
42 Ongoing Issues - Insensitivity Our culture: Sees driving as an undeniable right/privilege Doesn t see overall crash rate as a serious problem Perceives self as good driver while admitting to running red lights, shaving while driving, etc. And it s only getting worse.
43 Summary Personal Auto: Economic Pressures on Families/Commuters Fuel/Maintenance Costs Automated violation processing Shift to smaller cars & hybrids UI/UIM Youthful Drivers Culture versus Crashes
44 Summary Truckers Excess capacity and bankruptcies are easing, but long road to go yet. Pushing for larger, heavier rigs for efficiency Freight could rebound and create driver shortage
45 Summary Sales/Office Fleet Grey fleet trades off control for fractional expense savings Gadget overload, distracted driving, personal use continue to be a problem Cells/Texting the next big litigation area?
46 Summary Public Auto (Bus, Limo, Van, Shuttles) New law for day care, church and human services must inspect for children left behind in the vehicle Seatbelts, roof strength during roll over emerging issues On-board, evidential, post-crash data recorders: boon or bane?
47 Summary Manufacturing/Wholesale/Retail Major expansion of alternate fuel engines for medium trucks (new technologies, cost to repair) If economy heats up, could see rash of claims as safety lags behind the ramp up of productivity. Non-professional drivers on tight schedules, little training, no oversight
48 THANK YOU See You On The Road!
49 SafetyFirst SafetyFirst is a progressive leader in commercial auto safety programs. Paul Farrell, CEO paulf@safetyfirst.com (toll free)
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