Motorcycles: Quantifying risks and countermeasures Governors Highway Safety Association Kansas City, MO September 28, 2010 Matthew J. Moore Vice President HLDI
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.
HLDI data providers
Size of HLDI motorcycle database Number of unique VINs in files, September 2010 model year VIN count 2000 256,615 2001 333,728 2002 404,163 2003 481,928 2004 420,304 2005 516,623 2006 563,598 2007 556,323 2008 361,459 2009 244,304 2010 69,858 total 4,208,903
Coverages reported to HLDI Private Passenger Auto Collision Comprehensive Personal injury protection Medical payments Physical damage liability Bodily injury liability
Motorcycle Classes
Cruiser-style classes dual purpose off road standard cruiser touring chopper
Sport classes supersport sport unclad sport sport touring
Scooter
Motorcycle fatalities by class
Fatally injured motorcycle operators By motorcycle class, 2005
Motorcycle operator deaths per 10,000 registered motorcycles By motorcycle class, 2005
Motorcycle collision claim frequencies
Relative collision claim frequencies By motorcycle class, 2005-09 models all-motorcycle result = 3.3 claims per insured vehicle year
Highest collision claim frequencies 2005-09 motorcycles all-motorcycle result = 3.3 claims per 100 insured vehicle years
Collision exposure distribution By motorcycle class and rated driver age group, 2005-09 models
Collision claim frequencies By motorcycle class and rated driver age group, 2005-09 models
Motorcycle time to claim from policy inception
Motorcycle time to claim insurance coverage exposure time period collision twelve 30-day time periods and one for exposure after 360 days model years 2003-07 exposure (insured vehicle years) 2,065,879 claims 56,859
Claim frequencies per 10,000 insured vehicle months By time period length of coverage in days
Claim frequencies per 10,000 insured vehicle months By motorcycle class and time period supersport sport touring cruiser length of coverage in days
Claim frequencies per 10,000 insured vehicle months By age group and time period < 21 21-25 26-30 31-35 length of coverage in days
Automobile Collision Losses for Motorcyclists
Automobile collision losses for motorcyclists inclusion criteria passenger vehicle had to be associated with motorcycle coverage in same calendar year model years 2000-08 exposure (insured vehicle years) 58,261 claims 3,325
Passenger vehicle collision claim frequencies By vehicle type and motorcycle class
Motorcycle antilock brake systems
Motorcycle antilock braking system (ABS) covariates make/series vehicle make/series, driver age, gender, vehicle age, density 18 make/series with ABS indicator in VIN model years 2003-07 insurance coverages collision, medical payments, bodily injury liability exposure (col, med pay, BI) 149 K, 41K, 130K
Percent reductions in claim frequencies for motorcycles with antilock brakes 2003-08 models
Fatal crash involvements and registrations 2003-07 non-abs models abs models drivers in fatal crashes 190 38 registered vehicle years 311,058 81,789 www.iihs.org
Fatal crashes per 10,000 registrations 2003-07 28% reduction www.iihs.org
Source of insurance loss statistics on most car, SUV, pickup, and motorcycle models on the road