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
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