Ohio Association of Mutual Insurance Companies Columbus, OH Feb 17, 2011 Matt Moore, Vice President HLDI

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1 Ohio Association of Mutual Insurance Companies Columbus, OH Feb 17, 2011 Matt Moore, Vice President HLDI

2 The Insurance Institute for Highway Safety, founded in 1959, is an independent, nonprofit, scientific, and educational organization dedicated to reducing the losses deaths, injuries, and property damage from crashes on the nation's highways. The Highway Loss Data Institute, founded in 1972, shares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model. Both organizations are wholly supported by auto insurers.

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4 Where are we? Location of IIHS/HLDI and Vehicle Research Center Washington, DC IIHS & HLDI headquarters VRC Virginia

5 Motor vehicle crash deaths and deaths per billion vehicle miles traveled , deaths per billion vehicle miles traveled 55,000 50,000 motor o vehicle e deaths 60 45, ,000 35,000 33, per billion 30,

6 Making safer vehicles

7 Insurance Institute for Highway Safety Vehicle Research Center, Ruckersville, Virginia

8 Frontal offset crash protection ratings Improvements: 1995 to % 80% 60% 40% 20% poor marginal acceptable good 0%

9 Side Impact Crash Testing

10 Side impact crash protection ratings Improvements: 2003 to % 80% 60% 40% 20% 0% poor marginal acceptable good

11 TOP SAFETY PICK

12 Requirements for TOP SAFETY PICK award G G G G evaluation in frontal crashworthiness test evaluation in side crashworthiness test evaluation in rear crashworthiness test evaluation in roof strength test Availability of electronic stability control

13 2011 TOP SAFETY PICK winners February 2011 Large cars Buick LaCrosse Buick Regal BMW 5 series Cadillac CTS sedan Chrysler 300 Dodge Charger Ford Taurus Hyundai Genesis Infiniti M37/M56 Lincoln MKS Mercedes E class coupe Mercedes E class sedan Toyota Avalon Volvo S80 Midsize cars Audi A3 Audi A4 sedan Chevrolet Malibu Chrysler 200 Dodge Avenger Ford Fusion Hyundai Sonata Kia Optima Lincoln MKZ Mercedes C class Subaru Legacy Subaru Outback Volkswagen Jetta sedan Volkswagen Jetta SportWagen Volvo C30 Small cars Chevrolet Cruze Honda Civic Kia Forte Kia Soul Mitsubishi Lancer Nissan Cube Scion tc Scion xb Subaru Impreza Toyota Corolla Volkswagen Golf Volkswagen GTI Minicar Ford Fiesta Minivan Toyota Sienna Large SUV Volkswagen Touareg Midsize SUVs Audi Q5 Cadillac SRX Chevrolet Equinox Dodge Journey Ford Explorer Ford Flex GMC Terrain Hyundai Santa Fe Jeep Grand Cherokee Kia Sorento Lexus RX Lincoln MKT Mercedes GLK Subaru Tribeca Toyota Highlander Toyota Venza Volvo XC60 Volvo XC90 Small SUVs Honda Element Hyundai Tucson Jeep Patriot Kia Sportage Subaru Forester Volkswagen Tiguan

14 1959 Chevrolet Bel Air and 2009 Chevrolet Malibu

15 Red light cameras

16 7,358 deaths at intersections in 2009 Distribution by type of traffic control no traffic control 27% red light running crash deaths 9% signal light 23% 32% other 7% stop sign 34%

17 676 deaths in red light running crashes in 2009 Distribution by type of road user pedestrian, bicyclist, other 6% occupants of vehicles that didn t run light 46% red light running driver 36% 12% passengers in red light running vehicles

18 Marcus May-Cook, 3 years old Killed in red light running crash, Lansing, Michigan, August 8,

19 Crashes or traffic citations within 3 years Violators vs. nonviolators, % violators nonviolators 20% 10% 0% crashes citations for convictions for citations for driving while alcohol-impaired speeding or other suspended driving moving violations

20 Speeding or driving without valid license Violators vs. nonviolators, % violators nonviolators 20% 10% 0% speeding suspended, invalid, or no license

21 BACs 0.08 percent by time of day Violators vs. nonviolators, % violators 40% nonviolators 20% 0% day night

22 Reductions in red light violations at intersections with signal lights With and without cameras, per 10,000 vehicles 0% -20% -40% with cameras without cameras -60% Fairfax, VA Oxnard, CA

23 Citywide crash reductions at intersections with signal lights after camera enforcement Oxnard, California 0% -20% -40% -60% -80% overall injury right angle right angle with injury

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25 US communities with red light cameras

26 Changes in fatal crash rates in large cities with and without red light cameras Cities with population 200,000+ in 2008 Study groups 14 cities with cameras during but not cities without cameras in either period Per capita fatal crash rates during vs Red light running crashes Crashes at intersections ti with signal lights

27 Study cities with and without red light cameras, by population in red light cameras no cameras

28 Percent change in fatal crash rates in large cities with red light cameras vs red light running fatal crash rate fatal crash rate at intersections with signal lights

29 Percent change in fatal crash rates in large cities with and without red light cameras vs cities with red light cameras cities without red light cameras rate of red light running fatal crashes rate of fatal crashes cas esat intersections with signal lights

30 Highway Loss Data Institute

31 HLDI data providers AAA Northern California, Nevada & Utah The Hartford AIG Agency Allstate American Family Amica ANPAC Auto Club Group Automobile Insurers Bureau of Mass. Chubb COUNTRY Erie Farm Bureau Financial Services (Iowa Farm Bureau) Farmers Foremost GEICO GMAC High Point Kentucky Farm Bureau Liberty Mutual MetLife Nationwide PEMCO Progressive Rockingham Safeco Secura Insurance State Farm Tennessee Farm Bureau Travelers Unitrin USAA

32 Size of HLDI passenger vehicle database Number of unique VINs in files, August 2010 model year number of vehicles ,813, ,846, ,009, ,320, ,045, ,652, ,573, ,962, ,908, ,590, ,648,779 total 142,371,862

33 Coverages reported to HLDI Private Passenger Auto Collision Comprehensive Personal injury protection Medical payments Physical damage liability Bodily injury liability

34 Electronic stability control on pickups

35 Percent of vehicle series with ESC By model year 100% 80% ESC not available ESC optional ESC standard 60%60 40% 20%20 0% SUVs regular cars sports and pickups p all passenger luxury cars vehicles

36 Estimated percent of vehicles with ESC By model year 100% 80%80 60%60 40% 20%20 0% SUVs regular cars sports and pickups p all passenger luxury cars vehicles

37 Relative collision losses before/after ESC vs small pickups 120 before standard ESC ( models) after standard ESC ( models) Chevrolet Colorado GMC Canyon Toyota Tacoma Chevrolet Colorado GMC Canyon Toyota Tacoma Chevrolet Colorado GMC Canyon Toyota Tacoma claim frequency claim severity overall losses

38 Percent reduction in collision losses with addition of standard ESC 25% 20% claim frequency claim severity overall losses 15%15 10%10 5% 5 0% luxury cars sports cars SUVs small pickups

39 Collision losses

40 Relative collision claim frequencies By body style and size class, models 150 micro = all-passenger-vehicle result of 7.0 mini small midsize large very large 50 0 two-door four-door station sports luxury pickups SUVs luxury cars cars wagons, cars cars SUVs minivans

41 Relative collision claim severities By body style and size class, models = all-passenger-vehicle result of $4,047 micro mini small midsize large very large two-door four-door station sports luxury pickups SUVs luxury cars cars wagons, cars cars SUVs minivans

42 Relative collision overall losses By body style and size class, models = all-passenger-vehicle result of $283 micro mini small midsize large very large two-door four-door station sports luxury pickups SUVs luxury cars cars wagons, cars cars SUVs minivans

43 Worst collision overall losses passenger vehicles Maserati Granturismo 2dr Mercedes Benz CL class 2dr Maserati Quattroporte 4dr Nissan GT-R 2dr 4WD BMW M5 4dr BMW M3 2dr Lexus IS-F 4dr 4WD Mitsubishi Lancer Evolution 4dr 4WD Porsche 911 Turbo convertible 4WD Mercedes Benz CLS class 4dr = $283 per insured vehicle year

44 Worst collision overall losses for vehicles priced under $30, passenger vehicles Mitsubishi Lancer 4WD Scion tc Mitsubishi Lancer Subaru Impreza WRX 4WD Hyundai Genesis 2dr Nissan Altima Honda Civic Si 2dr Nissan Senra SE-R Honda Civic Si 4dr Suzuki SX = $283 per insured vehicle year

45 Collision results for small 4-door cars with high performance variants relative relative relative make series years exposure claims frequency severity overall losses Honda Civic ,016 47, Honda Civic Si , , Mitsubishi Lancer 4WD , Mitsubishi Lancer Evolution 4WD , Nissan Sentra ,776 19, Nissan Sentra SE-R , Subaru Impreza 4WD ,795 4, Subaru Impreza WRX 4WD ,537 1,

46 Horsepower

47 Corporate average fuel economy (CAFE) By model year passenger cars goal light trucks goal passenger cars actual light trucks actual

48 Average vehicle horsepower By model year 300 cars pickups SUVs

49 BMW 5 series Percent of vehicles, by horsepower models 1997 models

50 Chrysler sedans Percent of vehicles, by horsepower models 1997 models

51 Collision claim frequencies By vehicle power and rated driver age group years old years old years old horsepower per 100 lbs.

52 Collision claim severities By vehicle power and rated driver age group $7,000 $6,000 $5,000 $4,000 $3,000 $2,000 $1, years old years old 65+ years old $ horsepower per 100 lbs.

53 Collision overall losses By vehicle power and rated driver age group $1, years old $1, years old 65+ years old $800 $600 $400 $200 $ horsepower per 100 lbs.

54 Change in overall losses per unit of power 4-door cars, models 15% years old years old 65+ years old 10% 5% 0% Collision PDL PIP BI MedPay

55 Source of insurance loss statistics on most car, SUV, pickup, and motorcycle models on the road