2018 in Review and FIRST LOOK 2019 WHO WE ARE

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2018 in Review and FIRST LOOK 2019 WHO WE ARE 2018 in review AND FIRST LOOK 2019 WHO WE ARE MISSION CONTENTS The Insurance Institute for Highway Safety (IIHS) is an independent, nonprofit scientific and educational organization dedicated to reducing WHO WE ARE the losses — deaths, injuries and property damage — from motor vehicle crashes. 42 Mission 43 Member companies The Highway Loss Data Institute (HLDI) shares and supports this mission 44 President’s message through scientific studies of insurance data representing the human and 46 Partnerships economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make OUR RESEARCH and model. & ANALYSIS Our research seeks to identify effective countermeasures against crashes 47 Crashworthiness and the problems they cause. We recognize crash prevention will only go 48 Ratings timeline so far, so we also look for ways to mitigate crash consequences, as well 410 Crash avoidance & automation as the best ways to recover from them. Our inquiry examines ways to 412 Distracted driving modify human behavior and implement safer vehicle and road designs. 413 Enforcement 414 Impaired driving 416 Insurance loss trends 418 Pedestrians, bicyclists & motorcycles OUR COMMUNICATIONS & EDUCATION PROGRAMS 420 Webinars 422 IIHS in the classroom website 423 VRC visitors/groups hosted 424 Advertising & earned media 425 Video news releases 425 Publications & presentations 426 Social media 427 Website BIBLIOGRAPHY & REPORTS 428 IIHS research papers 430 HLDI reports 2 | 2018 in review MEMBER COMPANIES Our member companies share our vision of saving lives and reducing inju- WE WELCOMED 6 NEW ries through scientific research that compels manufacturers, policymakers MEMBER COMPANIES IN 2018: and insurers to act to improve all aspects of motor vehicle transportation. MEMBER GROUPS Louisiana Farm Bureau Mutual Insurance Company AAA Carolinas The Main Street America Group Acceptance Insurance MAPFRE Insurance Group Alfa Insurance Mercury Insurance Group Allstate Insurance Group MetLife American Agricultural Insurance Company Mississippi Farm Bureau Casualty Insurance Company American Family Insurance MMG Insurance American National Munich Reinsurance America, Inc. Ameriprise Auto & Home Mutual Benefit Group® Amica Mutual Insurance Company Mutual of Enumclaw Insurance Company Auto Club Enterprises Nationwide Auto Club Group NJM Insurance Group Auto-Owners Insurance Nodak Insurance Company BITCO Insurance Companies The Norfolk & Dedham Group® California Casualty North Carolina Farm Bureau Mutual Insurance Company Celina Insurance Group Northern Neck Insurance Company Central States Health & Life Co. of Omaha and Affiliates NYCM Insurance CHUBB Ohio Mutual Insurance Group Colorado Farm Bureau Mutual Insurance Company Oregon Mutual Insurance Company Commonwealth Casualty Company Pekin Insurance Concord Group Insurance Companies PEMCO Insurance COUNTRY Financial Plymouth Rock Assurance CSAA Insurance Group Progressive Insurance Desjardins Insurance PURE Insurance ECM Insurance Group Qualitas Insurance Company Elephant Insurance Company Redpoint County Mutual Insurance Company EMC Insurance Group The Responsive Auto Insurance Company Erie Insurance Group Rider Insurance Esurance Rockingham Insurance Farm Bureau Financial Services RSA Canada Farm Bureau Insurance Company of Michigan Safe Auto Insurance Company Farm Bureau Insurance of Tennessee Safeco Insurance Farm Bureau Mutual Insurance Company of Idaho Samsung Fire & Marine Insurance Company Farmers Insurance Group SECURA Insurance AND SO FAR IN 2019, Farmers Mutual of Nebraska Selective Insurance Company of America WE HAVE WELCOMED: Florida Farm Bureau Insurance Companies Sentry Insurance Frankenmuth Insurance Shelter Insurance® Gainsco Insurance Sompo International GEICO Corporation South Carolina Farm Bureau Mutual Insurance Company® The General Insurance Southern Farm Bureau Casualty Insurance Company Georgia Farm Bureau Mutual Insurance Company State Farm Insurance Companies Goodville Mutual Casualty Company Stillwater Insurance Group Grange Insurance Swiss Reinsurance Company Ltd Grinnell Mutual Texas Farm Bureau Insurance Hallmark Financial Services, Inc. The Travelers Companies, Inc. The Hanover Insurance Group United Educators The Hartford USAA Haulers Insurance Company, Inc. Utica National Insurance Group Horace Mann Insurance Companies Virginia Farm Bureau Mutual Insurance Imperial Fire & Casualty Insurance Company West Bend Mutual Insurance Company Indiana Farm Bureau Insurance Western National Insurance Group Indiana Farmers Insurance Westfield Infinity Property & Casualty Kemper Corporation FUNDING ASSOCIATIONS Kentucky Farm Bureau Mutual Insurance Companies American Property Casualty Insurance Association Liberty Mutual Insurance National Association of Mutual Insurance Companies 2018 in review | 3 PRESIDENT’S MESSAGE David Harkey, president of IIHS and HLDI EXECUTIVE It is often cited that human error is a contributing factor in more than 90 LEADERSHIP TEAM percent of traffic crashes in the U.S. That is not surprising, since the last David Harkey time I checked humans are responsible for monitoring their surroundings President and making decisions as drivers, pedestrians and bicyclists. Getting road users to make smarter, safer decisions continues to rank among the big- Joe Nolan Chief Administrative Officer and gest challenges we face in highway safety. We know from prior success Senior Vice President, in increasing occupant restraint use that such change can be realized. Vehicle Research In the early 1990s, IIHS partnered with the North Carolina Governor’s Highway Safety Program, North Carolina State Highway Patrol, University David Zuby Executive Vice President of North Carolina Highway Safety Research Center, local law enforcement and Chief Research Officer agencies and other groups to develop and implement a high-visibility belt use enforcement and education campaign. The outcome was the now Michael Fagin nationally adopted Click It or Ticket program, which has lifted front-seat General Counsel, Secretary/ Treasurer and Vice President, occupant restraint usage to 90 percent and is credited for saving thou- Government Relations sands of lives over the past two decades. Matthew Moore Two areas where changing driver behavior could substantially impact road Senior Vice President, HLDI safety are impaired driving and speeding. Alcohol impairment has been a Russ Rader contributing factor in the more than 10,000 lives lost each year in crashes Senior Vice President, for the past decade. Effective interventions such as ignition interlocks, Communications which we showed in 2018 to reduce the number of impaired drivers in Raul Arbelaez crashes, are being underutilized. At the same time, our recent research Vice President, shows marijuana impairment is an emerging concern. In October, IIHS Vehicle Research Center hosted the Combating Alcohol and Drug-Impaired Driving summit. The Jessica Cicchino group included highway safety researchers, law enforcement and judiciary Vice President, Research experts, advocates, safety program practitioners and policymakers. Work continues today on the action items identified through summit discussions. Chuck Farmer Vice President, Research and Statistical Services Speeding has similar tragic outcomes as impairment, resulting in 10,000 lives lost annually. The continual rise in speed limits plus limits that don’t Pini Kalnite account for all road users or the surrounding environment, lack of man- Vice President, Media Operations and Production power to effectively enforce them, adjudication challenges and increased vehicle horsepower all contribute to the problem. In 2018, we released a Brenda O’Donnell study showing how a small citywide reduction in speed limits can sub- Vice President, Insurer Relations stantially lower the number of high-speed motorists on city streets. In Vickie Hoover April 2019, we will co-sponsor a forum on this topic with the Governors Assistant Vice President, Operations Highway Safety Association to challenge ourselves to address this crisis through policies, practices and interventions. We also have seen a rise in the number of crash deaths among vul- nerable road users. As we reported in the spring of 2018, we saw a 46 percent increase in pedestrian fatalities from 2009 to 2016. Pedestrian and bicyclist fatalities are at levels we have not seen in more than two 4 | 2018 in review decades. To help IIHS BOARD combat this problem OF DIRECTORS through vehicle tech- 2018 nology, we have just William L. Windsor Jr. introduced our pedes- Chair trian automatic emer- Associate Vice President, gency braking ratings Office of Consumer Safety, program. Encouraging Nationwide Insurance automakers to make Angela Sparks this technology avail- Chair-Elect Vice President and Actuary, able on all vehicles will State Farm Insurance Companies help to address the Hank Nayden critical scenarios where Vice Chair pedestrians and vehi- Vice President and General Counsel, cles often conflict. To GEICO Corporation help protect our bicycling consumers, we collaborated with Virginia Tech 2019 to introduce new bicycle helmet ratings. Angela Sparks Chair Our TOP SAFETY PICK awards are a critical component of our consumer Hank Nayden information program and a means to encourage automakers to improve Chair-Elect vehicles and offer advanced safety features on all models. Over the years, Dan Clapp IIHS has steadily raised the bar for the auto industry in terms of strength- Vice Chair Executive
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