1 Model Year and Vehicle Rating LeRoy Boison, FCAS, MAAA Las Vegas, NV
2 Discussion Topics Model Year Rating Vehicle Rating Liability Vehicle Rating GLM applications Crash simulation and Telematics
3 Distant Yesterday Based upon MSRP. Applied only to 1 st party property coverages. Same Symbol for both Comprehensive and Collision. Combined with Age as opposed to Model Year Rating.
4 Yesterday Late 70 s 2 significant changes Introduction of Model Year Rating Introduction of Damageability/Repairability into Symbol
5 Model Year Rating Age Factor Model Year Factor X + 2 (1.05)(1.05) X X , X , X & over 0.65 X
6 Model Year Rating Typically uses constant multiplicative relationship between model years Typically 5% for Comprehensive and Collision Limited to X model years with catch all for older vehicles
7 Model Year Rating Created a mechanism by which individual vehicle model years could be recognized not really utilized except by several innovators. Some companies are using for Liability coverages inconsistent - some positive, some negative overlaps with mileage
8 Model Year The ability to use Model Year effectively together with specific models has not been realized. E.G. If the 1995 Honda Civic or 2003 Dodge Ram Pickup has the highest theft rate as recently published shouldn t it have a higher rate than the later models?
9 Stolen Cars Vary By Model Year
10 Progressive Rating Class MM Symbol 1995 Honda Civic HC Toyota Camry TC Honda Accord HA factor, 1.33 for '94-98, drops to.75 in Dodge Caravan DG Acura Integra AI Nissan Sentra NS
13 Reasons Why Cars Most Stolen Parts - Xenon headlights, hubcaps, spoilers Street Racing light cars with big engines Desirability - sports and luxury
14 Forbes Luxury Cars only Top 10 Most Stolen Vehicles Cadillac Escalade Hummer H2 BMW 7L Series Honda S2000 Convertible Lincoln Navigator Chevrolet Avalanche Mercedes-Benz S-Class Chevrolet Corvette Mercedes-Benz SL-Class Convertible BMW X5
15 Immobilizer 1999 and 2000 Honda Civics do not come with an electronic immobilizer, however all Hondas from 2001 and onward are equipped with an immobilizer. Immobilizers will be mandatory on all new cars sold beginning September The devices enable an engine computer to recognize an electronic code in the key. If the code in the key and the engine don't match exactly, the vehicle can't be started.
17 Vehicle Rating New Vehicles are usually rated by comparison to similar existing vehicle becoming less accurate as new, different vehicle type are being introduced.
18 2009 Car and Driver IN AN EVER-SHRINKING MARKET AND AS GAS PRICES SURGE PAST $4, THE AUTO INDUSTRY SCRAMBLES TO THINK SMALL IS SHAPING UP TO BE A CRITICAL YEAR FOR AUTOMAKERS AS THEY RUSH TO REACT TO THE SPECTER OF HIGH FUEL PRICES
19 2007 Car and Driver Every year, it seems, is a banner year for car and truck introductions. And 2007 is no exception. There are now well over 300 models on sale in the U.S., covering every area from mainstream sedans and sport-utes to increasingly popular segments such as crossover SUVs and subcompacts.
20 Car and Driver The 2006 model year will see the usual sort of turnover, with 50 or so new models arriving and about 30 departing Of the 324 models out there for 2005 by our reckoning 64 qualify as "all-new."
21 Electronic Stability Control Electronic stability control could prevent nearly one-third of all fatal crashes and reduce rollover risk by as much as 80%; effect is found on single- and multiplevehicle crashes
22 ESC - availability ESC is standard on 40 percent of 2006 passenger vehicle models and optional on another 15 percent. It's standard on every 2006 Audi, BMW, Infiniti, Mercedes, and Porsche. Another 8 vehicle makes (Cadillac, Jaguar, Land Rover, Lexus, Mini, Toyota, Volkswagen, and Volvo) offer at least optional ESC on all of their models. But ESC, standard or optional, is limited to 25 percent or fewer models from Chevrolet, Dodge, Ford, Hummer, Mazda, Mitsubishi, Saturn, Subaru, and Suzuki
23 Aluminum Parts, Hybrid Cars Boost Crash Costs (NU Online News Service, March 3, 12:25 p.m. EST) Auto repair costs are going up in part because of changes in parts and new, more complex vehicles, an insurance information management firm said.
24 Significant Differences By Company for New Models Rate Relativity Comparison For New Models Relativity Audi Tt Quattro 6 cyl Cadillac Escalade 8 cyl Nissan Xterra Xe/Se 4 cyl Model
25 Significant Differences By Company for New Models Difference in rates > 80% The Porsche Boxster symbol assignment from inception dropped at least 5 symbols.
26 Significant Differences By Company for Most Popular Models Rate Relativity Comparison For Popular Vehicles - 4 Door Sedans Relativity Chevrolet Cavalier 4 cyl Chevrolet Lumina 6 cyl Ford Focus Lx 4 cyl Ford Taurus Lx 6 cyl Honda Accord Dx 4 cyl Honda Civic Dx 4 cyl Nissan Altima Xe/Gxe/Gle/Se 4 cyl Pontiac Grand Am Se2 6 cyl Toyota Camry Ce/Le/Xle 6 cyl Volkswagen New Jetta Gls 6 cyl Model
27 Significant Differences By Company for Most Popular Models Smallest difference with high and low company is 16% Greatest difference is 44% Average difference is 28%
28 Sports and Luxury Vehicles Rate Relativity Comparison For Sports / Luxury Vehicles Relativity A B C D E F G Model
29 Sports/Luxury Models A B C D E F G AUDI : TT QUATTRO 6 cyl 2 doors COUPE PORSCHE BOXSTER S 6 cyl 2 doors CONVRT CHEVROLET CORVETTE 8 cyl 2 doors HCHBK JAGUAR XJR 8 cyl 4 doors SEDAN MERCEDES-BENZ SLK230 KOMPRESSOR BASE/SPORT 4 cyl 2 doors CONVRT BMW 750IL 12 cyl 4 doors SEDAN PORSCHE 911 CARRERA 6 cyl 2 doors CABRI
30 Sports/Luxury Models Variations for published rates are 32% to 137% Differences may be greater as some companies do not provide published rates for these models
31 Percent of Collision Claims by Point of Impact By Vehicle Type HLDI Passenger cars Pickups Utility vehicles
32 Percent of Property Damage Liability Claims by Point of Impact By Vehicle Type HLDI Passenger cars Pickups Utility vehicles
33 Solution to Rear Accidents Back up avoidance device Or a mirror?
34 Liability Vehicle Rating
35 ISO Liability Rating Since data used was vehicles, minimal data for Unibody > 5,250 lb. Thus curbweight capped at 5,250 lb.
36 ISO Liability Rating 2-way GLM analysis using combination of curb weight and chassis type (although manufacturer had highest r 2 ).
37 ISO Liability Rating New Vehicles Only Model Years evaluated. Will review LPMP every 2 years. Will not change LPMP on annual basis e.g. October 1. LPMP symbol manual pages are not Model Year specific and do not include vehicle Model Year references except 2001 as earliest and certain new model types.
38 ISO Liability Rating GLM analysis based upon: Manufacturer Chassis type Weight Horsepower Wheelbase Height Width
39 ISO Liability Rating Manufacturer was the most significant variable but rejected based upon credibility concerns. Chassis type was very significant thus 2-way GLM used to test chassis type in combination with other variables other than Manufacturer. Best fit achieved with Weight and Chassis type.
40 ISO Liability Rating For liability curb weight indications are different depending on chassis type. Frame predicted relativity increases as weight increases. UniBody - predicted relativity decreases as weight increases. First Party Coverages - predicted relativity always decreases as weight increases.
41 ISO Liability Rating New Vehicle Types Relativities for new vehicle series will be determined by giving 50% weight to the predicted loss ratio relativity (based on chassis type and curb weight) and 50% weight to (Note: Curb weights for Unibody vehicles will be capped at 5,250 pounds).
42 ISO Liability Rating New Vehicle Types (con t) For new vehicles - like vehicle series adjustments have not been applied. Nor will such adjustments be applied on a prospective basis for new vehicles in the LPMP Vehicle Rating Plan. That is, adjustments to ensure consistent treatment of like vehicles will not be made for any vehicles until historical insurance experience for such vehicles is available for analysis.
43 Predictive Modeling Applications
44 Advantages of using Vehicle Characteristics for Rating Easier to rate newer vehicle types. More accurate reflections of safety equipment and other vehicle characteristics. For physical damage coverages, and now Liability and PIP symbol can account for significant differences in rates between different insureds. Get leg up on competition that don t use GLM. Obviates some credibility issues.
45 Considerations Need VIN. Append external data via Polk, HLDI, ISO, CARFAX or other. Need VIN for liability too.
46 Possible Vehicle Characteristics Lease Model year Gross vehicle weight Lien Symbol High performance code Daytime running lights Ton rating Roof type Anti lock brakes vehicle existing damage Transmission ESC (Electronic stability control) Anti theft device Wheel base airbags/passive restraint Cubic inch displacement weight Cost price new Height engine size Body type Length make Carburetion Width model Cylinders # of doors New / Used indicator segmentation Driving wheels Backup avoidance theft device Fuel type Construction
47 Additional Non-traditional Characteristics Branded title Length of last ownership Salvaged Prior damage Was vehicle repossessed
48 Example Company Vehicle Classification Job Run 2 Model 1 - Collision Pure Premium - Smoothed standard risk premium model (single claim type) % Log of m ultip lie r % -18% -17% 0% -14% -8% -5% 36% 31% 62% 40% 40% -15% 43% -21% 11% 60% 65% 32% 18% 48% 82% -15% 9% Exp osure (y ears) % A B C D E F G H J K L M N P R U X 0 MSEGMENTATION_CODE Onew ay relativities Unsmoothed estimate Smoothed estimate
49 Polk Segmentation Code A Compact Pickup 1 Entry Level (Car) B Midsize Pickup 2 Basic Economy (Car) C Fullsize Pickup 3 Lower Midsize (Car) D Heavy Duty Pickup 4 Upper Midsize (Car) E Minivan (Passenger) 5 Upper Midsize Specialty (Car) F Minivan (Cargo) 6 Traditional Large (Car) G Passenger Van 7 Basic Sporty (Car) H Full Size Van (Cargo) 8 Middle Sporty (Car) J Full Size Utility 9 Prestige Sporty (Car) K Sport Utility L Mini Sport Utility M Medium/Heavy Trucks N Basic Luxury (Car) P Middle Luxury (Car) R Prestige Luxury (Car)
50 Very Large Pickup Very Large Specialty Truck Vehicle Class - Indicated Pure Prem Relativities Mini 4 Door Mini Specialty Car Mini Station Wagon Small 4 Door Small Luxury SUV Small SUV Small Specialty Truck Small Station Wagon Midsize 4 Door Midsize Luxury SUV Midsize Specialty Car Midsize Sports Large 2 Door Large Cargo / Passenge Large Luxury SUV Large Pickup Large Specialty Truck Large Station Wagon Very Large 4 Door Very Large Luxury SUV BI PD COLL COMP PIP Missing Relativity
51 Anti_lock_brakes Relativity <missing> Not available 4 wheel standard Rear only standard ABS standard, wheels unknown 4 wheel optional Rear only optional ABS optional, wheels unknown BI PD PIP COMP COLL MP
52 Make Relativity A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A A Make PD COLL COMP PIP
53 Model Year BI PD COLL COMP PIP and Prior 1976 Relativity
54 Effect of Latest Economic Crisis on Rating New cars sales for January down 40-50% Premium Trend effects Potential effect on older cars which are being kept longer
55 Dynamic Stability Control - Indicated Pure Prem Relativities Relativity Missing Standard Optional NA BI PD COLL COMP PIP
57 Commercial Auto Applications VIN decoding works as well in CA as PPA Truck VINs define their ICC weight class (which is more detailed than ISO weight classes) Private passenger types (cars) are not typically symbol rated in CA and either can be or the vehicle characteristics can be used to create a simplified symbol system. Many of the characteristics that PPA VIN decoding returns are also available and valuable for CA (passive restraints, antilock breaks, engine size, model year) However, VIN only contains information about the truck as it left the assembly line and many features are added post production
58 Not All Trucks are the Same
59 Commercial Auto Applications The type of container on a truck (aka body type) also matters (refrigerator, dump, flatbed, box, tanker, cranes and specialize equipment (e.g. scaffolding for ladders etc.)) The type of container on a trailer also matters (refrigerator, low boy, flatbed, box, tanker) as does what kind of cargo you're hauling (coiled steel, chemicals, grain, perishables, less than trailer load (LTL), sand and gravel, moving and storage)
60 Types of Loads
61 Commercial Auto Applications Mileage information is typically not available/verifiable unless the insured is engaged in for hire trucking, however, Standard Industrial Classification (SIC) codes can be a strong indicator of mileage/vehicle use. For example, contractors normally drive to the jobsite while wholesalers tend to drive routes to retailers all day and florists make deliveries.
62 Commercial Auto Applications Personal use is also a key factor (pickup trucks and company cars with a cooler full of beer at a softball field on Thursday night are a real and difficult risk). Unfortunately, it is hard to verify until after a claim, especially on small risk where a fenced garaging location may not be verified due to policy size.
63 Vehicle Weight ISO s class plan has four vehicle weight classes: Light, Medium, Heavy and Extra- Heavy. Alternatively, the Interstate Commerce Commission (ICC) developed eight weight classes that do a much better job of grouping similar vehicles that are readily verifiable using VINs.
64 Vehicle Weight This verifiable approach to vehicle weight also addresses popular misconceptions regarding specific vehicle types. The most common misperception is that all pick-up trucks are Light. Most large pickup trucks have gross vehicle weights well in excess of the Light limit of 10,000 pounds.
65 National Underwriter July, 2007 From a physical damage perspective, new designs in trucks to reduce their weight and streamline them for fuel efficiency have led to more damage to the vehicle in lower speed collisions. Where a steel bumper used to protect the tractor with minimal front-end damage, now an entire engine hood must be replaced with engine parts, which are now protected
66 Tomorrow Greater use of true multi-variate analyses by actuaries will greatly improve predictability of symbol rating. Computer simulation of crashes will vastly improve accuracy of initial symbol assignment. Use of Telematic devices to verify driving characteristics.
67 THE POWER OF SIMULATION Enables vehicles and vehicle components to be virtually tested under real world stresses, strains, crash avoidance situations, driver reactions, high-speed and low-speed crashes, etc.
68 EXAMPLE: INJURY EFFECT OF BUMPER DESIGN Affect on Whiplash Injury Key Bumper Characteristics Bumper Force-Deflection Examples Force (lbf) Deflection (inch) Caravan Infinity Jetta Isolator Rigid
69 CRASH ANALYSIS PLATFORM Simulation Environment Analysis Types Fast and accurate multi-body dynamics solver 3D CAD kernel to facilitate data exchange Generates vehicle models on the fly from vehicle specifications database Design of Experiments (DOE) Monte Carlo Goal-Seeking Vehicle Performance Specifications compliance Personnel Injury Thresholds Performance Requirements Better than anyone else, we can: Rapidly and statistically analyze large quantities of vehicle crash scenarios. Body / Structure Interior Design Restraints / Seats Evaluate the impact of a vehicle design change on crash results. Impact Energy Acceleration Pulse Footwell Intrusion Cage displacement Roof Crush Instrument layout Flail space Interior padding Pedal distances Steering column Seat rigidity Restraint attachments Restraint controls Restraint locations Head protection Correlate vehicle design characteristics to crash results. Both for the striking vehicle and for all vehicles struck.
70 Telematics On-Board SmartRate firmware T S D G M SmartRate Risk Analysis System Time Speed On-board algorithms that abstract data to protect privacy Total Time Speed ranges Total Miles Geographic area ranges Day Geo Miles Time of Day ranges Database of either population-based or absolute risk-based measurements
So you ve decided to buy a car, minivan, SUV, or pickup. Now the question is, which one? If you factor safety into your choice (most people do), then you probably want to know, what s the safest vehicle
LOW GREENHOUSE GAS EMITTING/EISA 141 COMPLIANT LIGHT DUTY VEHICLES MODEL YEAR 2016 (UPDATED DECEMBER 8, 2015*) EPA-420-B-15-075e December 2015 *New models will be added to the list as vehicle data becomes
The Relative Safety of Large and Small Passenger Vehicles NHTSA Mass-Size Safety Symposium Washington, DC February 25, 2011 Adrian Lund, Ph.D. Overview What is the history of motor vehicle crash safety
STATISTICAL REVIEW OF THE CANADIAN AUTOMOTIVE INDUSTRY: 2001 EDITION Aerospace and Automotive Branch Industry Canada 235 Queen Street Ottawa, Ontario K1A OH5 Tel: (613) 952-7254 Fax: (613) 952-8088 E-mail
BLUE BOOKJUNE 2013 ket Report Automotive Insights from Kelley Blue Book USED CAR EDITION Kelley Blue Book Public Relations Contacts: Chintan Talati Senior Director, Public Relations 949.267.4855 firstname.lastname@example.org
factor AEB Fitment - Standard volumes manufacturers: alfa romeo audi bentley Land Rover Discovery Sport bmw cadillac chevrolet chrysler/jeep citroen dacia fiat ford geely great wall honda hyundai infiniti
AT Car ID: AT-18711259 Page 1 of 11 AT Car ID: AT-18711259 Mileage... 8632 Exterior Color... Eclipse Interior Color... Glacier Tri-Tone Body Style... Sedan Transmission... Continuously Variable Automatic
www.hldi.org Ohio Association of Mutual Insurance Companies Columbus, OH Feb 17, 2011 Matt Moore, Vice President HLDI The Insurance Institute for Highway Safety, founded in 1959, is an independent, nonprofit,
INSURANCE INSTITUTE FOR HIGHWAY SAFETY NEWS RELEASE November 25, 2008 72 WINNERS OF 2009 TOP SAFETY PICK AWARDS ALMOST EVERY CATEGORY FROM MINICAR TO LARGE PICKUP HAS A WINNER ARLINGTON, VA Seventy-two
BEST BETS he following is our list of the highest rated vehicles in each size category. The ratings are based T on expected performance in nine important categories Combined Crash Rating, Safety Features,
EMBARGOED UNTIL: 2:00 PM, October 23, 2008 CONTACTS: Russell Datz, Brandware Public Relations or Douglas Love, Consumer Reports (516) 594-0062 (914) 378-2437 email@example.com firstname.lastname@example.org
Ethanol is better for the environment, the economy, and our national security - but most of us are only using about a gallon of it every time we fill up. How can we help our country and our planet by using
For Immediate Release March 3, CONTACT: Peter Kitchen 202-737-0766, email@example.com ANNOUNCING THE CAR BOOK BEST BETS FOR 34 th Edition: Jack Gillis and The Center for Auto Safety Reveal Best and Worst
Oil Filter Port Thread Size Chart Acura Integra 86-87 22mm st Integra 88-01 20mm st Legend, 3.2 TL, 3.5 RL 88-up 22mm st Vigor, 2.5 TL All 20mm st NSX 91-up 22mm st 2.2 CL, 3.0 CL, SLX All 20mm st Alfa
Technology Woes Continue to Drive Up Problems: J.D. Power Vehicle Dependability Study Lexus Ranks Highest in Vehicle Dependability for Fifth Consecutive Year; General Motors Receives Eight Segment Awards;
2013 model year Flex Fuel Vehicle Guide E15 is approved for use by the EPA for cars 2001 and newer. The FFV system is available in each of the Chrysler models listed below. Each model year 2008 and newer
Vehicle Guide Before you go, first things first Vehicles shown are examples. Specific models within car class may vary in availability, capacity, and features. Some cars may not be available at some locations.
NEWS RELEASE July 24, 2008 Contact: Adrian Lund at 703/247-1500 (home at 703/898-6618) or Russ Rader 703/247-1500 (home at 202/785-0267) VNR: Thurs. 7/24/2008 10:30-11 am EDT (C) AMC 1/Trans. 23 (dl4160h)
DOT HS 809 979 January 2006 Passenger Vehicle Occupant Fatality Rates by Type and Size of Vehicle By Rajesh Subramanian * Summary The National Highway Traffic Safety Administration (NHTSA) has routinely
Vol. 40, No. 3, March 19, 2005 THE RISK OF DYING IN ONE VEHICLE VERSUS ANOTHER DRIVER DEATH RATES BY MAKE AND MODEL The driver died in the crash. So did many other passenger vehicle drivers during 2000-03,
Q: What is a wheel hub bearing and why is it critical to your safety? A: See inside. It could save your life. Q: How do my car s hub bearings affect braking safety? A: Your car s hub bearings include the
Are Really Safer Than Cars? BY TOM WENZEL AND MARC ROSS LAST SPRING S Senate hearings on Corporate Average Fuel Economy standards made much about the increased risk Americans would face if forced to give
Diagnostic software update Delphi is constantly updating the content of its Diagnostic tools by adding new vehicles as they are launched and building on the functionality of existing applications. This
If the applicant does not meet the following guides, PLEASE DO NOT BIND. Submit application unbound prior to effective date, or call Underwriter for approval. PERSONAL AUTOMOBILE RISK SELECTION GUIDE GENERAL
Each private passenger automobile owned by an individual or owned jointly by two or more relatives who are residents in the same household shall be classified as follows: Each automobile insured according
AT Car ID: AT-18B30922 Page 1 of 12 AT Car ID: AT-18B30922 Mileage... 49251 Exterior Color... Ibis White Interior Color... Tan Transmission... Continuously Variable Automatic Fuel Type... Gasoline Drive
Bulletin Vol. 30, No. 7 : April 2013 IIHS crashworthiness evaluation programs and the U.S. vehicle fleet The Insurance Institute for Highway Safety (IIHS) conducts several different vehicle crashworthiness
Comprehensive Information on the Orange County Automotive Market Quarterly Report Fourth Quarter 2006 (Released: February 2007) Orange County New Retail Light Vehicle Registrations Predicted to Level Off
AMERICAN EXPRESS CARDMEMBER CAR RENTAL LOSS AND DAMAGE INSURANCE PLAN DESCRIPTION OF COVERAGE Car Rental Loss and Damage Insurance provides the Corporate Cardmember, ("Cardmember") if the Cardmember is
Impact and Damage Analyses of Motor Vehicle Accidents Commonly Asked Questions P.O. Box 10635 Tampa, Florida 33679 firstname.lastname@example.org General Overview Basic Terms in accident reconstruction and injury
TOWABLES FOR 2003 Hummer H2 A guide to 2003-model vehicles that manufacturers have indicated can be recreationally towed four wheels down behind motorhomes without significant modifications. Infiniti G35
Year Make Model ------------- ------------- ---------------------- 2010 CHEVROLET AVEO 5 2010 CHEVROLET COBALT COUPE 2010 CHEVROLET COBALT XFE COUPE 2010 MERCEDES-BENZ SMART FORTWO (CABRIOLET) 2010 MERCEDES-BENZ
Predicting Car Model Classifications and City Gas Mileage Ronald Surban Fatalla Masters Student Department of Computer and Electrical Engineering University of Iceland Spring 2005 Contents 1. Introduction
Acura MDX (2014): Spare tire optional, inflator/sealant kit provided when not equipped with a RL (2006 2008): Run-flat tires RLX (2014): Spare tire optional, inflator/sealant kit provided when not equipped
Key Automotive Statistics 2012 ACKNOWLEDGEMENTS In 2013, the Commonwealth Department of Industry undertook a survey of Australian motor vehicle producers. This survey is conducted annually, and is used
2006 Subaru Legacy Sedan 2.5I SPECIAL EDITION $7,823 Internet Price City MPG 20 Fuel Efficiency Rating Actual rating will vary with options, driving conditions, habits and vehicle condition. Highway MPG
A Nation on Wheels A Reading A Z Level P Leveled Reader Word Count: 763 LEVELED READER P A Nation on Wheels Written by David Dreier Visit www.readinga-z.com for thousands of books and materials. www.readinga-z.com
Alternative Powertrain Sales Forecast Mike Omotoso Senior Manager, Global Powertrain J.D. Power Automotive Forecasting Outline Powertrain Sales Trends Hybrid sales forecast Diesel sales forecast Alternative
Best new-car values Our scores reveal which cars deliver the biggest bang for your buck Published: December 18, 2014 06:00 AM Best and worst for the money Value charts Subcompact cars Compact cars Luxury
2015 Auto Accessories Sales Mid-Year Trend Report A Reynolds and Reynolds Company 2015 Auto Accessories Sales Mid-Year Trend Report The New Normal in Automotive Retailing Since the recession, the automotive
Vol. 46, No. 5, June 9, 2011 dying in a crash has become much less likely than it used to be for people in all types of passenger vehicles. For occupants of SUVs, the change has been dramatic. In the past,
2011-2016 Electronic Cruise Control Quick Reference Application Guide Revised: 6/24/16 See Change Log on last page for updates Follow us on Twitter @rostratweets for the latest updates on all of our 12-volt
Alternative Fuel Vehicles Eligible for Alternative Fuel Tag If a vehicle is not capable of running on gasoline or diesel at all, it is a dedicated alternative fuel vehicle, and it can receive an AFV Tag
www.pwc.ru/automotive PwC Annual Survey, 2015 Costs of car ownership in Russia INTELLI GROUP Market Intelligence & Strategy Key findings on the cost of car ownership The year 201 saw many events that have
Competitive Comparison 2014 Accord Sedan LX Honda has an advantage over the competitors in the areas marked. Honda has an advantage over one of the selected competitors. QUALITY & VALUE ANALYSIS Overall
Automotive Collision Injury Form Billing Information Patient name: Date of Injury: Time of injury: AM PM City and street where crash occurred: What is the estimated damage to your vehicle? $ Do you have
4. How to Buy a Car Building a Better Future 151 152 Building a Better Future UNIT 4: HOW TO BUY A CAR Lesson 1: How to Choose the Right Car Lesson Objectives: Students will understand what to consider
U.S. Deportment of Transportation National Highway Traffic Safety Administration MAR - 4 2013 1 200 New Jersey Avenue. SE Wash1ngton. DC 20590 Dear Prospective Purchasers: Attached please find a copy of
Version 01 Valid from 01.2014 Shock Absorbers for Passenger Cars Index ALFA ROMEO 1-2 AUDI 2-6 BMW 7-15 CHERY 15 CHRYSLER 16 CITROEN 16-17 DAEWOO 17-18 DAIHATSU 18-20 DODGE 20 FIAT 20-21 FIAT CMV 21 FORD
2013 Ford Edge LIMITED $18,654 Internet Price City MPG 18 Fuel Efficiency Rating Actual rating will vary with options, driving conditions, habits and vehicle condition. Highway MPG 25 2013 Ford Edge Limited
resources Following is information about several resources cited in this brochure. AAA encourages parents and teens to take advantage of them as they shop for a vehicle and work together through the learningto-drive
New Jersey Motor Vehicle Warranty Act 2005 Annual Report State of New Jersey Office of the Attorney General Division of Consumer Affairs Lemon Law Unit Jon S. Corzine Governor Zulima V. Farber Kimberly
Automobile Service Operations Application NATIONAL INDEMNITY COMPANY OF THE SOUTH NATIONAL LIABILITY & FIRE INSURANCE COMPANY Administrative Office Omaha, Nebraska Desired Policy Term From: To: 1. Named
White Paper Classified Auto Listing Sites 101 DataOne Software, Div. of Dominion Enterprises 500 Cummings Center, Suite 5150 Beverly, MA 01915 www.dataonesoftware.com Author: J.P. Overview Classified auto
by Christopher R Sherman A paper submitted to the faculty of the University of North Carolina at Chapel Hill in partial fulfillment of the requirements for the degree of Master of Public Administration
DEFINITIONS OF TERMS USED: AB (Accident Benefits) A relative index based on the frequency of Accident Benefit (personal injury) claims Claim Cost Average amount paid for insurance claims for each vehicle
15-Passenger Van Safety Frequently Asked Questions & Recommendations for Safe Operation Mississippi Institutions of Higher Learning Safety and Loss Control FY 20 0 6 Page 1 of 7 15-Passenger Van Safety
Revising the ISO Commercial Auto Classification Plan Anand Khare, FCAS, MAAA, CPCU 1 THE EXISTING PLAN 2 Context ISO Personal Lines Commercial Lines Property Homeowners, Dwelling Commercial Property, BOP,
Study Questions Safety of SUVs Myron Levin, Times Staff Writer Los Angeles Times February 18, 2003 page C1 Kevin P. Casey Los Angeles Times Rollover: A three-car accident on the 405 Freeway in August 2000
Winter Alloy Wheels Roues d hiver en alliage 2010-2011 Photos To download a hi-res wheel photo, simply click on the image needed Pour télécharger la photo d une roue en haute résolution, simplement cliquer
Flexible Rental and Short Term Leasing from Concept Flexibility is crucial when running a business. You need to know that you have a trusted fleet management partner, who will be on hand to provide a quick
J.D. Power and Associates and CAR Magazine Report: Initial Quality Gap Between Passenger Vehicles and Pickup Trucks Improves Notably in 2010 Models from Chevrolet, Honda, Hyundai, Mercedes-Benz, Nissan,
EMBARGOED UNTIL 10 A.M. EST, THURSDAY, JANUARY 29, 2015 Status Report Insurance Institute for Highway Safety Highway Loss Data Institute Saving lives Improved vehicle designs bring down death rates ALSO
2006 MERCEDES-BENZ ML 350 For this second-generation ML, the engineers traded the body-on-frame design for a welded unibody construction, but took pains to reinforce it after all, the new generation had
The Relationship between Vehicle Weight, Size and Safety Physics of Sustainable Energy: Using Energy Efficiently and Producing It Renewably Sponsored by American Physical Society s Forum on Physics and
Truck Transportation Application Agent Information Agency Producer General Information Named Insured Street Address State Phone Affiliated Companies Date Received Effective Date Requested Quote Date DBA
Table 1- Automotive Mercury Switches and Mercury Lighting, 2000 2001 Model Years MANUFACTURER VEHICLE COMPONENT Daimler Chrysler 2000, 2001 4-Wheel Drive Jeeps ABS Switch Ford 2000 Grand Marquis/Mustang/E-350
Traffic Injury Prevention, 5:317 325, 2004 Copyright C 2004 Taylor & Francis Inc. ISSN: 1538-9588 print / 1538-957X online DOI: 10.1080/15389580490896951 Effect of Electronic Stability Control on Automobile
Automotive Safety in the UN Decade of Action Presentation by David Ward Secretary General Global New Car Assessment Programme Europe Asia Road Safety Forum UNECE Working Party on Road Traffic Safety New
Home Office: One Nationwide Plaza Columbus, Ohio 43215 Administrative Office: 8877 North Gainey Center Drive Scottsdale, Arizona 85258 1-800-423-7675 Fax (480) 483-6752 A STOCK COMPANY COMMERCIAL AUTOMOBILE
Behind the Numbers AAA is a federation of motor clubs serving more than 51 million members in the United States and Canada through more than 1,100 offices. Founded in 1902, AAA is a not-for-profit, fully
National Casualty Company Home Office: Madison, Wisconsin Adm Office: 8877 Gainey Center Dr. Scottsdale, Arizona 85258 Scottsdale Insurance Company Home Office: One Nationwide Plaza Columbus, Ohio 43215
Automotive Accident Form Billing Information Patient name: Date of injury: Time of injury: AM PM City and street where accident occurred: What is the estimated damage to your vehicle? $ Do you have automobile