MAR Booklet provided by the National Highway Traffic Safety Administration (NHTSA), an agency of. Dear Prospective Purchasers:

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Download "MAR - 4 2013. Booklet provided by the National Highway Traffic Safety Administration (NHTSA), an agency of. Dear Prospective Purchasers:"

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1 U.S. Deportment of Transportation National Highway Traffic Safety Administration MAR New Jersey Avenue. SE Wash1ngton. DC Dear Prospective Purchasers: Attached please find a copy of the February 2013 Relative Collision Insurance Cost Information Booklet provided by the National Highway Traffic Safety Administration (NHTSA), an agency of the U.S. Department of Transportation. Pursuant to NHTSA's regulation in Title 49 of the Code of Federal Regulations, Part 582, Insurance Cost Information Regulation, NHTSA is required to make available to prospective purchasers information regarding comparative insurance costs, based on damage susceptibility and crashworthiness, for makes and models of passenger cars, sport utility vehicles, light trucks, and vans. As a result of Public Law signed into law by Congress on January 10, 2013, the requirement for passenger motor vehicle dealers to distribute this information to prospective buyers has been repealed. Therefore, dealerships will no longer be responsible for reproducing and maintaining copies of the booklet in their showrooms for prospective purchasers of new vehicles. However, this booklet can still be downloaded and printed from the NHTSA Web site at: http :1 /www. nhtsa. dot. gov I. From the NHTSA website, click on the "Vehicle Safety" tab, then choose the "Vehicle-Related Theft" category, on that page, under the "Additional Resources Panel", click on "2013 Comparison of Insurance Costs". 0. Kevin Vincent Chief Counsel Enclosure

2 Comparison of Differences in Insurance Costs for Passenger Cars, Station Wagons/Passenger Vans, Pickups, and Utility Vehicles On the Basis of Damage Susceptibility February 2013 DOT HS

3 FEBRUARY 2013 Comparison of Differences in Insurance Costs for Passenger Cars, Station Wagons/Passenger Vans, Pickups, and Utility Vehicles on the Basis of Damage Susceptibility The National Highway Traffic Safety Administration has provided the information in this booklet in compliance with Federal law as an aid to consumers considering the purchase of new vehicles. The booklet compares differences in insurance costs for different makes and models of passenger cars, utility vehicles, light trucks, and vans on the basis of damage susceptibility for the vehicle. However, it does not indicate a vehicle's relative safety for occupants. The following table contains the best available information regarding the effect of damage susceptibility on insurance premiums. It was taken from data compiled by the Highway Loss Data Institute (HLDI) in its December 2012 Insurance Collision Report, and reflects the collision loss experience of passenger cars, utility vehicles, light trucks, and vans sold in the United States in terms of the average loss payment per insured vehicle year for model years NHTSA has not verified the data in this table. The table presents vehicles' collision loss experience in relative terms, with 100 representing the average for all passenger vehicles. Thus, a rating of 122 reflects a collision loss experience that is 22 percent higher (worse) than average while a rating of 96 reflects a collision loss experience that is 4 percent lower (better) than average. The table is not relevant for models that have been substantially redesigned for 2012, and it does not include information about models with insufficient claim experience. Although many insurance companies use the HLDI information to adjust the "base rate" for the collision portion of their insurance premiums, the amount of any such adjustment is usually small. It is unlikely that your total premium will vary more than 10 percent depending upon the collision loss experience of a particular vehicle. If you do not purchase collision coverage or your

4 2 insurance company does not use the HLDI information, your premium will not vary at all in relation to these rankings. In setting insurance premiums, insurance companies mainly rely on factors that are not directly related to the vehicle itself (except for its value). They mainly consider driver characteristics (such as age, gender, marital status, and driving record), the geographic area in which the vehicle is driven, how many miles are traveled, and how the vehicle is used. However, some companies adjust their premiums for personal injury protection and medical payment coverage if the insured vehicle has features that are likely to improve its crashworthiness, or ability to protect occupants from injury or death, such as air bags. Different insurance companies often charge different premiums for the same driver and vehicle. Therefore, to obtain complete information about insurance premiums, you should contact insurance companies or their agents directly. Test data relating to vehicle crashworthiness is available from NHTSA's New Car Assessment Program (NCAP). NCAP test results demonstrate relative frontal, side, and rollover crash protection in new vehicles. Information on vehicles that NHTSA has tested in the NCAP program can be obtained on the information label on vehicles at new car dealers, by calling the agency's toll-free Auto Safety Hotline at , and through the NHTSA Web page at:

5 3 Collision Insurance Losses Years Passenger Motor Vehicles All Passenger Cars 110 Micro Cars 2-door models 74 Smart ForTwo 70 Scion iq 90 Mini Cars 2-door models 95 Fiat 500 convertible 71 Mini Cooper convertible 76 Fiat Mini Cooper Clubman 95 Mini Cooper 95 Toyota Yaris door models 117 Mazda Toyota Yaris hatchback 104 Ford Fiesta 107 Kia Rio 109 Hyundai Accent 118 Station wagons 95 Honda Fit 91 Hyundai Accent 98 Kia Rio 98 Ford Fiesta 102 Sports models 80 Mazda MX-5 Miata convertible 75 Small Cars

6 4 2-door models 132 Volkswagen New Beetle 95 Honda Civic 102 Hyundai Veloster 103 Volkswagen Golf 110 Honda CR-Z hybrid 117 Honda Civic Si 119 Kia Forte 123 Volkswagen GTI 132 Scion tc door models 110 Honda Civic hybrid 78 Nissan Leaf electric 86 Chevrolet Cruze 89 Honda Civic 91 Chevrolet Sonic 98 Volkswagen Golf 100 Subaru Impreza 4WD 100 Toyota Prius hybrid 101 Kia Forte 103 Nissan Juke 4WD 103 Honda Insight hybrid 104 Hyundai Elantra 104 Chevrolet Volt 109 Honda Civic Si 110 Volkswagen GTI 112 Nissan Versa hatchback 113 Toyota Corolla 113 Mazda Ford Focus 113 Nissan Juke 115 Nissan Sentra 117 Toyota Prius C hybrid 118 Nissan Versa 123 Nissan Sentra SE-R 133 Mitsubishi Lancer hatchback 135 Mitsubishi Lancer 148 Suzuki SX4 172 Subaru Impreza WRX 4WD 172 Mitsubishi Lancer 4WD 205 Mitsubishi Lancer Evolution 4WD 241 Station wagons 97 Chevrolet Sonic 80 Mini Countryman 84 Scion xb 89 Toyota Prius V hybrid 92 Mazda 3 93 Hyundai Elantra 94 Kia Forte 94 Scion xd 94 Subaru Impreza 4WD 94 Toyota Matrix 96 Dodge Caliber 96

7 5 Kia Soul 97 Nissan Cube 97 Ford Focus 101 Suzuki SX4 4WD 101 Mini Countryman 4WD 102 Toyota Matrix 4WD 113 Mazda 3 Mazdaspeed 120 Suzuki SX4 127 Subaru Impreza WRX 4WD 130 Sports models 164 BMW Z4 convertible 111 Mercedes-Benz SLK class convertible 122 Porsche Boxster convertible 128 Porsche Cayman 2dr 150 Audi TT 2dr 4WD 198 Midsize Cars 2-door models 132 Chrysler 200 convertible 79 Volvo C Volkswagen Eos convertible 106 Honda Accord 115 Mitsubishi Eclipse 117 Nissan Altima 141 Hyundai Genesis door models 103 Buick Verano 82 Honda Accord 83 Subaru Legacy 4WD 87 Mazda 6 92 Chrysler Chevrolet Malibu 95 Toyota Camry hybrid 97 Volkswagen Passat 101 Ford Fusion 102 Nissan Altima 105 Hyundai Sonata 106 Acura TSX 106 Mitsubishi Galant 109 Kia Optima 110 Toyota Camry 111 Kia Optima hybrid 113 Dodge Avenger 114 Volkswagen Jetta 116 Ford Fusion 4WD 118 Ford Fusion hybrid 119 Volkswagen Passat CC 121 Suzuki Kizashi 129 Nissan Maxima 129

8 6 Hyundai Sonata hybrid 151 Suzuki Kizashi 4WD 157 Volkswagen Passat CC 4WD 164 Station wagons 83 Subaru Outback 4WD 74 Mazda 5 79 Acura TSX 87 Volkswagen Jetta 104 Audi A3 125 Audi A3 4WD 137 Sports models 141 Mitsubishi Eclipse convertible 76 Ford Mustang GT convertible 87 Chevrolet Corvette 2dr 91 Ford Mustang Shelby GT500 convertible 93 Chevrolet Corvette convertible 96 Ford Mustang convertible 113 Chevrolet Corvette Z06 2dr 113 Nissan 370Z convertible 117 Ford Mustang GT 2dr 126 Ford Mustang 2dr 137 Ford Mustang Shelby GT500 2dr 151 Porsche 911 convertible 170 Nissan 370Z 2dr 175 Porsche 911 Coupe 180 Porsche 911 turbo convertible 4WD 189 Chevrolet Corvette ZR1 2dr 203 Mercedes-Benz SL class convertible 237 Porsche 911 turbo 2dr 4WD 248 Nissan GT-R 2dr 4WD 325 Ferrari 458 Italia 2dr 522 Ferrari California convertible 568 Luxury models 140 BMW 3 series station wagon 79 BMW 3 series station wagon 4WD 79 Volvo S60 4dr 95 Acura TL 4dr 100 BMW 1 series convertible 106 Lincoln MKZ 4dr 108 Acura TL 4dr 4WD 109 Lexus CT 200H hybrid 4dr 112 Lexus IS 350 convertible 118 Lincoln MKZ hybrid 4dr 122 Infiniti G37 4dr 124 Infiniti G25 4dr 124 Lincoln MKZ 4dr 4WD 126 Volvo S60 4dr 4WD 126 Lexus HS 250 hybrid 4dr 127 Infiniti G25 4dr 4WD 129 Lexus ES 350 4dr 131 Infiniti G37 4dr 4WD 134 BMW 3 series 4dr 140

9 7 Lexus IS 250 4dr 146 Audi A5 convertible 147 Audi A4 station wagon 4WD 147 Audi A4 4dr 4WD 148 BMW 1 series 2dr 148 Lexus IS 250 4dr 4WD 148 Infiniti G37 convertible 149 Audi A5 convertible 4WD 150 Lexus IS 250 convertible 151 Mercedes-Benz C class 4dr 154 BMW 3 series convertible 161 Mercedes-Benz C class 4dr 4WD 161 Audi A4 4dr 161 Lexus IS 350 4dr 4WD 162 BMW 3 series 2dr 4WD 170 Lexus IS 350 4dr 175 Infiniti G37 2dr 177 Infiniti G37 2dr 4WD 179 Audi A5 2dr 4WD 180 Mercedes-Benz C class 2dr 181 Audi S5 convertible 4WD 184 BMW 3 series 2dr 186 Audi S5 2dr 4WD 199 Audi S4 4dr 4WD 204 BMW M3 convertible 224 Lexus IS-F 4dr 4WD 278 BMW M3 2dr 307 Large Cars 2-door models 138 Dodge Challenger SRT Dodge Challenger door models 100 Buick Regal 88 Chevrolet Impala 89 Buick LaCrosse 4WD 91 Buick LaCrosse 93 Toyota Avalon 102 Ford Taurus 102 Chrysler Ford Taurus 4WD 111 Chrysler 300 HEMI 119 Chrysler 300 HEMI 4WD 126 Dodge Charger HEMI 4WD 128 Ford Taurus SHO 4WD 138 Dodge Charger 139 Dodge Charger HEMI 149 Sports models 124

10 8 Chevrolet Camaro convertible 93 Chevrolet Camaro 2dr 114 Jaguar XKR convertible 188 Jaguar XK 2dr 194 Jaguar XK convertible 199 Maserati Granturismo 2dr 220 Porsche Panamera 4dr 220 Jaguar XKR 2dr 223 Porsche Panamera turbo 4dr 4WD 277 Maserati Granturismo convertible 416 Audi R8 2dr 4WD 433 Luxury models 144 Volvo XC70 station wagon 63 Volvo XC70 station wagon 4WD 82 Volvo C70 convertible 103 Cadillac CTS 4dr 104 Volvo S80 4dr 105 Volvo S80 4dr 4WD 105 Cadillac CTS station wagon 107 Cadillac CTS 2dr 108 Cadillac CTS 4dr 4WD 110 Cadillac CTS station wagon 4WD 112 Infiniti M37 4dr 126 Hyundai Genesis 4dr 128 BMW 5 series 4dr 134 BMW 5 series 4dr 4WD 139 Cadillac CTS 2dr 4WD 140 BMW 6 series convertible 141 Mercedes-Benz E class convertible 143 Mercedes-Benz E class 4dr 149 Infiniti M37 4dr 4WD 150 Audi A6 4dr 4WD 156 Acura RL 4dr 4WD 156 Mercedes-Benz E class 4dr 4WD 167 Cadillac CTS-V 4dr 178 Jaguar XJ 4dr 179 Mercedes-Benz E class station wagon 4WD 181 Jaguar XF 4dr 181 Mercedes-Benz E class 2dr 184 Infiniti M56 4dr 198 Cadillac CTS-V 2dr 199 Audi A7 4dr 4WD 244 Mercedes-Benz CL class 2dr 4WD 248 Mercedes-Benz CLS class 4dr 256 Jaguar XJ 4dr LWB 275 Very Large Cars Station wagons/minivans 88 Chrysler Town & Country LWB 76 Dodge Grand Caravan 78

11 9 Volkswagen Routan 78 Honda Odyssey 85 Kia Sedona 89 Nissan Quest 95 Toyota Sienna 110 Toyota Sienna 4WD 118 Luxury models 194 Lincoln MKS 4dr 124 Lincoln MKS 4dr 4WD 140 BMW 535 i GT 4dr 149 Lexus LS 460 4dr 164 Lincoln MKS Ecoboost 4dr 4WD 168 BMW 7 series 4dr LWB 172 BMW 7 series 4dr 182 Lexus LS 460 L 4dr 4WD 188 Lexus LS 460 L 4dr 194 Hyundai Equus 4dr 199 BMW 7 series 4dr 4WD 201 BMW 550 i GT 4dr 205 Lexus LS 460 4dr 4WD 210 Mercedes-Benz S class 4dr 4WD 224 BMW 7 series 4dr 4WD LWB 235 Audi A8 4dr 4WD 238 Mercedes-Benz S class 4dr 246 Mercedes-Benz S class hybrid 4dr 302 Audi A8L 4dr 4WD 321 All Pickups, SUVs, and Vans 86 Pickups All Small Pickups 76 2-door models 69 GMC Canyon 54 Chevrolet Colorado 4WD 62 Toyota Tacoma 4WD 68 Toyota Tacoma 74 Chevrolet Colorado 87 2-door plus models 74 GMC Canyon ext. 4WD 62 GMC Canyon ext. 67 Chevrolet Colorado ext. 4WD 68 Nissan Frontier king 4WD 73 Toyota Tacoma xtra 76

12 10 Toyota Tacoma xtra 4WD 78 Nissan Frontier king 79 LWB = Long Wheelbase Chevrolet Colorado ext. 81 Suzuki Equator ext. cab door models 79 Suzuki Equator crew cab 57 Chevrolet Colorado crew 4WD 66 GMC Canyon crew 4WD 68 Toyota Tacoma double long bed 73 Nissan Frontier crew 75 Nissan Frontier crew LWB 76 Toyota Tacoma double 76 Chevrolet Colorado crew 77 Toyota Tacoma double 4WD 81 Nissan Frontier crew LWB 4WD 81 Nissan Frontier crew 4WD 83 Toyota Tacoma double long bed 4WD 84 GMC Canyon crew 91 All Large Pickups 83 2-door models 70 Ford F Ford F-150 4WD 55 Chevrolet Silverado WD 69 Chevrolet Silverado Toyota Tundra 78 GMC Sierra WD 82 GMC Sierra Toyota Tundra LWB 4WD 109 Dodge Ram 1500 pickup SWB door plus models 86 Ford F-150 supercab 69 Ford F-150 supercab 4WD 71 Nissan Titan king 4WD 77 Nissan Titan king 86 Chevrolet Silverado 1500 ext. 4WD 87 Chevrolet Silverado 1500 ext. 91 GMC Sierra 1500 ext. 4WD 92 Toyota Tundra double LWB 94 Toyota Tundra double 98 Toyota Tundra double 4WD 99 GMC Sierra 1500 ext. 100 Toyota Tundra double LWB 4WD door models 83 Ford F-150 supercrew 70 Honda Ridgeline crew 4WD 74 Ford F-150 supercrew 4WD 75 Dodge Ram 1500 ext. cab 79

13 11 Dodge Ram 1500 crew cab 80 Dodge Ram 1500 ext. cab 4WD 85 Toyota Tundra crew max 86 GMC Sierra 1500 crew 90 Dodge Ram 1500 crew cab 4WD 90 Chevrolet Silverado 1500 crew 91 GMC Sierra 1500 crew 4WD 94 Chevrolet Silverado 1500 crew 4WD 94 Nissan Titan crew 95 Toyota Tundra crew max 4WD 96 Nissan Titan crew 4WD 99 All Very Large Pickups 99 2-door models 83 Chevrolet Silverado WD 66 Ford F-250 4WD 75 Dodge RAM WD 82 Ford F-350 4WD door plus models 82 Ford F-250 supercab 49 GMC Sierra 2500 ext. 4WD 73 Ford F-250 supercab 4WD 79 Chevrolet Silverado 2500 ext. 4WD 88 Ford F-350 supercab 4WD 98 4-door models 103 Ford F-250 crew 78 GMC Sierra 2500 crew 4WD 84 Chevrolet Silverado 2500 crew 4WD 88 Ford F-350 crew 95 Dodge Ram 2500 crew cab pickup SWB 4WD 96 Dodge Ram 3500 crew cab pickup LWB 4WD 96 Chevrolet Silverado 2500 crew 97 Ford F-450 crew 4WD 99 GMC Sierra 3500 crew 4WD 99 Ford F-250 crew 4WD 100 Dodge Ram 2500 mega 4WD 105 Ford F-350 crew 4WD 109 Chevrolet Silverado 3500 crew 4WD 110 Dodge Ram 3500 mega 4WD 134 Sport Utility Vehicles All Sport Utility Vehicles 87 (Small Sport Utility Vehicles) 82 Jeep Wrangler 2dr 4WD 51 Honda CR-V 4WD 63 Ford Escape 4WD 73

14 12 Honda CR-V 74 Ford Escape 74 Jeep Compass 4WD 76 Jeep Patriot 4WD 76 Jeep Patriot 79 Subaru Forester 4WD 80 Jeep Compass 82 Hyundai Tucson 4WD 82 Hyundai Tucson 82 Kia Sportage 83 Kia Sportage 4WD 84 Volkswagen Tiguan 4WD 90 Toyota RAV4 92 Ford Escape hybrid 4WD 92 Nissan Rogue 94 Volkswagen Tiguan 96 Ford Escape hybrid 98 Toyota RAV4 4WD 99 Nissan Rogue 4WD 99 Mitsubishi Outlander Sport 4WD 111 Mitsubishi Outlander 112 Mitsubishi Outlander Sport 116 Mitsubishi Outlander 4WD 117 Suzuki Grand Vitara 4WD 122 Suzuki Grand Vitara 138 (Midsize Sport Utility Vehicles) 81 Jeep Wrangler 4WD 59 Nissan Xterra 4WD 59 Nissan Xterra 63 Nissan Pathfinder 65 Toyota FJ Cruiser 66 Jeep Liberty 4WD 70 Honda Pilot 71 Subaru B9 Tribeca 4WD 71 Nissan Pathfinder 4WD 71 Ford Edge 73 Nissan Murano 74 Kia Sorento 74 Jeep Liberty 75 Dodge Journey 76 Toyota Highlander 76 Dodge Journey 4WD 77 Toyota FJ Cruiser 4WD 78 Honda Pilot 4WD 79 Ford Edge 4WD 80 Toyota 4Runner 81 Jeep Grand Cherokee 82 Hyundai Veracruz 82 Hyundai Veracruz 4WD 82 Hyundai Santa Fe 82 Jeep Grand Cherokee 4WD 83 Toyota 4Runner 4WD 83 Nissan Murano convertible 4WD 83 Kia Sorento 4WD 83 Nissan Murano 4WD 85

15 13 Hyundai Santa Fe 4WD 86 Chevrolet Equinox 4WD 87 Mazda CX-7 87 Toyota Highlander 4WD 87 Chevrolet Equinox 87 Honda Accord Crosstour 88 Mazda CX-9 89 Toyota Venza 90 Ford Flex 93 Honda Accord Crosstour 4WD 94 GMC Terrain 95 Ford Explorer 98 Ford Explorer 4WD 99 GMC Terrain 4WD 99 Toyota Venza 4WD 103 Mazda CX-9 4WD 103 Ford Flex 4WD 111 Mazda CX-7 4WD 112 Toyota Highlander hybrid 4WD 117 (Large Sport Utility Vehicles) 77 GMC Yukon 63 GMC Acadia 65 Chevrolet Traverse 68 Chevrolet Tahoe 68 Chevrolet Tahoe 4WD 71 GMC Acadia 4WD 72 Chevrolet Traverse 4WD 75 GMC Yukon 4WD 78 Ford Expedition 4WD 78 Ford Expedition 79 Buick Enclave 86 Toyota Sequoia 87 Nissan Armada 4WD 89 Dodge Durango 4WD 89 Nissan Armada 90 Buick Enclave 4WD 94 Toyota Sequoia 4WD 98 Dodge Durango 101 Volkswagen Touareg 2 4WD 130 (Very Large Sport Utility Vehicles) 82 Chevrolet Suburban Chevrolet Avalanche GMC Yukon XL WD 80 Chevrolet Suburban WD 81 Chevrolet Suburban WD 83 GMC Yukon XL Chevrolet Avalanche WD 86 Ford Expedition EL 86 Ford Expedition EL 4WD 88 Luxury Sport Utility Vehicles

16 14 (Small Luxury Sport Utility Vehicles) 169 Land Rover Evoque 4WD 178 (Midsize Luxury Sport Utility Vehicles) 115 Acura RDX 69 Acura MDX 4WD 73 Acura RDX 4WD 80 Volvo XC60 83 Volvo XC60 4WD 83 Lincoln MKX 83 Volvo XC90 4WD 85 Land Rover LR2 4WD 93 Volvo XC90 93 Cadillac SRX 99 Infiniti EX Lincoln MKX 4WD 106 Infiniti FX Infiniti EX35 4WD 111 Cadillac SRX 4WD 115 BMW X3 4WD 117 Lexus RX Lincoln MKT 122 Lexus RX 350 4WD 124 Infiniti FX35 4WD 125 Acura ZDX 127 Mercedes-Benz M class 4WD 135 Mercedes-Benz GLK class 4WD 135 Audi Q5 4WD 136 Mercedes-Benz GLK class 138 BMW X5 4WD 138 Lincoln MKT 4WD 142 Lexus RX 450h hybrid 146 Lexus RX 450h hybrid 4WD 148 BMW X5 M 4WD 154 BMW X6 4WD 200 BMW X6 M 4WD 337 (Large Luxury Sport Utility Vehicles) 135 Land Rover LR4 4WD 95 Cadillac Escalade hybrid 4WD 106 Cadillac Escalade 4WD 109 Cadillac Escalade 111 Infiniti QX Land Rover Range Rover Sport 4WD 121 Lexus GX460 4WD 123 Land Rover Range Rover 4WD 127 Infiniti QX56 4WD 130 Porsche Cayenne 4WD 167 Mercedes-Benz GL class 4WD 170 Audi Q7 4WD 175 Mercedes-Benz R class 4WD 176 Porsche Cayenne hybrid 4WD 195 Mercedes-Benz G class 4WD 269

17 15 (Very Large luxury Sport Utility Vehicles) 113 Lincoln Navigator L 84 Cadillac Escalade ESV 87 Lincoln Navigator 4WD 114 Cadillac Escalade ESV 4WD 115 Lincoln Navigator 120 Lincoln Navigator L 4WD 121 Cadillac Escalade EXT 4WD 127 Cargo/Passenger Vans (All Cargo/Passenger Vans) 70 Chevrolet Express 3500 series 35 Chevrolet Express 2500 cargo series 61 Ford E-350 Econoline wagon 66 Chevrolet Express 1500 cargo series 71 GMC Savana 2500 cargo series 72 Ford E-350 Econoline 73 Ford E-250 Econoline 74 Ford E-150 Econoline 83 Mercedes-Benz Sprinter 2500 van cargo 84 Mercedes-Benz Sprinter 2500 van 88 GMC Savana 1500 cargo 93 Relative results are computed for individual model years and then combined through a weighted average to produce the three year relative result. The all-passenger-vehicle 100 = value is given for reference only and can only be used as a rough estimate to convert from relative to absolute results Minimum requirement for reporting: 1,000 vehicle years of exposure or 100 claims.

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