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    ADAS Impacts

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    Peeyush Kumar
    Advanced driver assistance systems (ADAS) have the potential to significantly reduce car crashes and fatalities by up to 40% and 29%, respectively, as their use becomes more widespread. While some ADAS features may increase repair costs due to their location on vehicles and the need for calibration scans, overall their impact is expected to be positive by reducing the frequency of accidents more than any increase in repair severity. As ADAS proliferates, insurance carriers will see fewer injury claims but more complex vehicles and data to integrate, requiring changes to rates, coverage models, claims processes, and training.

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    ADAS Impacts

    Uploaded by

    Peeyush Kumar
    23 views13 pages
    Advanced driver assistance systems (ADAS) have the potential to significantly reduce car crashes and fatalities by up to 40% and 29%, respectively, as their use becomes more widespread. While some ADAS features may increase repair costs due to their location on vehicles and the need for calibration scans, overall their impact is expected to be positive by reducing the frequency of accidents more than any increase in repair severity. As ADAS proliferates, insurance carriers will see fewer injury claims but more complex vehicles and data to integrate, requiring changes to rates, coverage models, claims processes, and training.

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    Advanced driver assistance systems (ADAS) have the potential to significantly reduce car crashes and fatalities by up to 40% and 29%, respectively, as their use becomes more widespread. While some ADAS features may increase repair costs due to their location on vehicles and the need for calibration scans, overall their impact is expected to be positive by reducing the frequency of accidents more than any increase in repair severity. As ADAS proliferates, insurance carriers will see fewer injury claims but more complex vehicles and data to integrate, requiring changes to rates, coverage models, claims processes, and training.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    23 views13 pages

    ADAS Impacts

    Uploaded by

    Peeyush Kumar
    Advanced driver assistance systems (ADAS) have the potential to significantly reduce car crashes and fatalities by up to 40% and 29%, respectively, as their use becomes more widespread. While some ADAS features may increase repair costs due to their location on vehicles and the need for calibration scans, overall their impact is expected to be positive by reducing the frequency of accidents more than any increase in repair severity. As ADAS proliferates, insurance carriers will see fewer injury claims but more complex vehicles and data to integrate, requiring changes to rates, coverage models, claims processes, and training.

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    of 13

    Impact of Advanced Driver

    Assistance Systems (ADAS)


    January 17, 2019
    Contents
    • Scope:
    – What is ADAS
    – Market penetration and spread
    – Regulation
    • Impact:
    – Frequency impact
    – Severity impact
    – Trend and projection
    What is ADAS
    • ADAS = Advanced Driver Assistance Systems
    – Blind Spot Monitoring (BSM)
    – Forward Collision Warning (FCW)
    – Lane Keeping Assist (LKA)/ Lane Departure Warning
    (LDW)
    – Automatic Emergency Braking (AEB)
    – Rear-cross Traffic Alert (RCTA)
    – Adaptive Cruise Control (ACC)
    – Fatigue warning systems
    – Curve-adaptive headlights
    Not a comprehensive list
    Automation Levels

    Advanced Driver Automated Driving


    Assistance System System (ADS)
    (ADAS)
    ADAS availability

    Source: HLDI Bulletin: Vol. 34, No. 28


    Regulation
    • Electronic Stability Control (ESC): As of the 2012 model
    year, the federal government requires ESC in all cars, SUVs,
    pickups and minivans. Most new truck tractors are required
    to have ESC as of Aug. 1, 2017. The remaining types have
    until 2019.
    • Other ADAS features: While there is no regulatory
    requirement for advanced features, 20 major automakers,
    representing 99 percent of U.S. light vehicle sales, have
    entered into a voluntary agreement with the National
    Highway Traffic Safety Administration (NHTSA) and IIHS to
    make front crash prevention systems standard on virtually
    all models by September 2022
    Source: www.IIHS.org
    ADAS impact on safety
    • The potential safety impact if ALL vehicles were
    equipped with ADAS is estimated to be substantial –
    up to a 40% reduction in crashes and 29% reduction
    in fatalities

    Source: Benson, A., Tefft, B.C., Svancara, Austin M. & Horrey, W. (2018). Potential Reduction in Crashes,
    Injuries and Deaths from Large-Scale Deployment of Advanced Driver Assistance Systems. AAA
    Foundation for Traffic Safety.
    ADAS impact on Frequency
    In one recent report, mid-sized cars with crash avoidance systems had 14 percent fewer
    claims than identical vehicles without ADAS

    Source: HLDI and IIHS study on the effects of crash avoidance features comparing rates of police-reported
    crashes and insurance claims for vehicles with and without the technologies. (May 2018)
    ADAS impact on frequency (continued)
    • As the number and % of vehicles with ADAS
    increases, it is expected to reduce the
    frequency of accidents
    Potential decline in number of vehicles in accidents as
    ADAS feature adoption grows
    ADAS impact on severity
    • Some ADAS features can lead to higher repair costs in the crashes that do
    happen. That’s because sensors and other components are often located on
    the vehicle’s exterior.
    • Repair procedures and parts: These have become more complex and hence
    more expensive e.g. in the case of forward collision warning (FCW) without
    autobrake, average payment for damage to the insured vehicle goes up by
    $109* .
    • Scanning: Many manufacturers mandate/recommend pre and post repair
    scans for ADAS equipped vehicles.
    – These procedures to the cost of repair although the average cost has gone down from $149 to
    $90**.
    – They can also increase cycle time - not all shops have scanning equipment and need to get the
    scan done at dealers’ locations.
    *Source: IIHS/HLDI – “Benefits of crash avoidance technologies”
    **Source:
    ADAS impact on severity
    • Some ADAS features can lead to higher repair costs in the crashes that do happen. That’s because sensors
    and other components are often located on the vehicle’s exterior.
    • Repair procedures and parts: These have become more complex and hence more expensive e.g. in the
    case of forward collision warning (FCW) without autobrake, average payment for damage to the insured
    vehicle goes up by $109
    • Scanning: Many manufacturers mandate/recommend pre and post repair scans for ADAS equipped
    vehicles.
    – These procedures to the cost of repair although the average cost has gone down from $140 to $90*.
    – They can also increase cycle time - not all shops have scanning equipment and need to get the scan done at dealers’ locations.
    Combined impact
    • The combined impact of lower frequency and higher severity is expected to be positive. In
    other words the reduction in claims will more than make up for the increased cost of repair.
    • Data shows ADAS such as automatic emergency braking (AEB) is helping to reduce certain
    types of accidents such as front impact collision losses. And, when the accident is not
    prevented, ADAS systems help slow the vehicle before impact and mitigate the damage and
    subsequent cost of repair.
    • In other cases, such as a rear impact collision loss (either the driver backing up into
    something or filing a rear-end hit to his vehicle with his own insurer), greater electronic
    content and more part components are leading to higher repair costs for ADAS-equipped
    vehicles.
    • Clearly the technology will change the mix of claims and repairs in the future, but with fewer
    front end collisions, and accidents overall, carriers should see a decline in losses
    • These effects will accelerate as ADAS features become more widely available
    • Caveats:
    – Driver behavior may change with greater faith in ADAS features. There is a danger of greater distracted driving due to
    over-reliance on ADAS. (See ‘Vehicle Owners’ Experiences with and Reactions to Advanced Driver Assistance Systems’
    report from AAA foundation)
    – Vehicles equipped with effective collision avoidance features could also allow vehicles to persist longer in the vehicle
    fleet, slowing fleet turnover. This could lead to a slowdown in the change of the fleet from one with few collision
    avoidance features to one with more features.
    Impact on Insurance Carriers
    • Rate: Some of the benefits of ADAS features will have to be passed on to
    the policy holders in the form of discounts.
    • Product: As ADAS features evolve, liability and coverage models may
    change. Advanced features such as automatic cruise control will lead to
    questions about driver versus manufacturer responsibility. Coverage may
    have to be split between the insurer and manufacturer.
    • Claims:

    Organization Process Technology


     Fewer accidents,
     More complex vehicles
    Workforce Desk Adjustment Data handling
     Abundance of data from
    vehicle sensors Training Field Adjustment Integration
     Different datasets from
    different vehicles
     complicated negligence DRP Adjustment

    Subrogation
    Complexity

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