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Auto Technology and Safety Kim Hazelbaker

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CHICAGO, ILLINOIS| FEBRUARY 28 – MARCH 2 AUTO TECHNOLOGY AND SAFETY KIM HAZELBAKER IIHS is an independent, nonprofit scientific and educational organization dedicated to reducing the losses — deaths, injuries and property damage — from crashes on the nation’s roads. HLDI shares this mission by analyzing insurance data representing human and economic losses from crashes and other events related to vehicle ownership. Both organizations are wholly supported by auto insurers. NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 2 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 1 of 46 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 3 ] NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 4 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 2 of 46 Member groups AAA Carolinas The General Insurance Plymouth Rock Assurance Acceptance Insurance Georgia Farm Bureau Mutual Insurance Company Progressive Insurance Alfa Alliance Insurance Corporation Goodville Mutual Casualty Company PURE Insurance Alfa Insurance Grange Insurance Qualitas Insurance Company Allstate Insurance Group Hallmark Financial Services Redpoint County Mutual Insurance Company American Family Mutual Insurance Company Hanover Insurance Group The Responsive Auto Insurance Company American National The Hartford Rider Insurance Ameriprise Auto & Home Haulers Insurance Company, Inc. Rockingham Group Amica Mutual Insurance Company Horace Mann Insurance Companies RSA Canada Auto Club Enterprises Imperial Fire & Casualty Insurance Company Safe Auto Insurance Company Auto Club Group Indiana Farmers Mutual Insurance Company Safeco Insurance Auto‐Owners Insurance Infinity Property & Casualty Samsung Fire & Marine Insurance Company Bitco Insurance Companies Kemper Corporation SECURA Insurance California Casualty Group Kentucky Farm Bureau Mutual Insurance Companies Sentry Insurance Censtat Casualty Company Liberty Mutual Insurance Company Shelter Insurance Companies CHUBB Louisiana Farm Bureau Mutual Insurance Company Sompo America Colorado Farm Bureau Mutual Insurance Company The Main Street America Group South Carolina Farm Bureau Mutual Insurance Company Concord Group Insurance Companies Mercury Insurance Group Southern Farm Bureau Casualty Insurance Company COUNTRY Financial MetLife Auto & Home State Auto Insurance Companies CSAA Insurance Group Mississippi Farm Bureau Casualty Insurance Company State Farm Insurance Companies CSE Insurance Group MMG Insurance Tennessee Farmers Mutual Insurance Company Desjardins Insurance Munich Reinsurance America, Inc. Texas Farm Bureau Insurance Companies Direct General Corporation Mutual Benefit Group The Travelers Companies Elephant Insurance Company Mutual of Enumclaw Insurance Company United Educators EMC Insurance Companies Nationwide USAA Erie Insurance Group New Jersey Manufacturers Insurance Group Utica National Insurance Group Esurance Nodak Mutual Insurance Company Virginia Farm Bureau Mutual Insurance Farm Bureau Financial Services Norfolk & Dedham Group West Bend Mutual Insurance Company Farm Bureau Insurance of Michigan North Carolina Farm Bureau Mutual Insurance Company Western National Insurance Group Farm Bureau Mutual Insurance Company of Idaho Northern Neck Insurance Company Westfield Insurance Farmers Insurance Group Ohio Mutual Insurance Group XL Group plc Farmers Mutual Hail Insurance Company of Iowa Old American County Mutual Fire Insurance Company Farmers Mutual of Nebraska Old American Indemnity Company Florida Farm Bureau Insurance Companies Oregon Mutual Insurance Company Funding associations Frankenmuth Insurance Paramount Insurance Company American Insurance Association Gainsco Insurance Pekin Insurance National Association of Mutual Insurance Companies GEICO Corporation PEMCO Insurance Property Casualty Insurers Association of America NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 5 ] The Big Picture NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 6 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 3 of 46 U.S. motor vehicle crash deaths and deaths per billion vehicle miles traveled 1950-2016 80 60000 70 55000 60 Motor vehicle crash deaths 50000 50 40 45000 30 40000 20 2016 Crash deaths per 3500011.8 per billion 10 billion vehicle miles traveled 37,461 deaths 0 30000 1950 1960 1970 1980 1990 2000 2010 2016 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 7 ] NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 8 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 4 of 46 Crash Testing 101 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 10 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 5 of 46 IIHS crashworthiness tests Front moderate overlap, Side impact, Rear crash (whiplash mitigation), beginning 1995 beginning 2003 beginning 2004 Roof strength, Front small overlap, beginning 2009 beginning 2012 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 11 ] Crash protection ratings by model year Improvements beginning in 1995 100% 100% 100% 80% 80% 80% 60% 60% 60% 40% 40% 40% 20% 20% 20% 0% 0% 0% 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 100% 100% poor 80% 80% marginal 60% 60% acceptable good 40% 40% 20% 20% 0% 0% 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 1995 1997 1999 2001 2003 2005 2007 2009 2011 2013 2015 2017 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 12 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 6 of 46 Passenger-side small overlap testing Examples of structural countermeasures to improve performance in small overlap NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 14 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 7 of 46 Small overlap countermeasures are not always applied to the passenger-side Passenger-side moderate overlap tests of two vehicles Moderate overlap tests indicates good Small overlap structure on driver-side protection for the passenger and performance is not affected by small overlap countermeasures Many vehicles sold and tested as right-hand drive in other markets NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 15 ] Toyota RAV-4 has driver-side only countermeasures NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 16 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 8 of 46 Toyota RAV-4 had different structural performance on driver-side and passenger-side driver side passenger side G P NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 17 ] Driver/passenger small overlap crash ratings driver-side passenger-side visible design impact impact application 2016 Hyundai Tucson G G symmetric 2015 Buick EncoreG A symmetric 2015 Honda CRV G A symmetric 2015 Mazda CX-5 G A symmetric 2015 Nissan Rogue G M symmetric 2014 Subaru Forester G M driver-side 2015 Toyota RAV4 G P driver-side NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 18 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 9 of 46 TOP SAFETY PICK Requirements for TOP SAFETY PICK 2018 Driver Passenger Moderate Front side small side small Head- overlap Side Roof Rear crash overlap overlap lamps front prevention front front Not Advanced Good or 2018 TSP Good Good Good Good Good required or Superior Acceptable Good or Advanced 2018 TSP+ Good Good Good Good Good Good Acceptable or Superior NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 20 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 10 of 46 Small cars Large cars Midsize luxury SUVs 2018 Chevrolet Volt 2018 Kia Cadenza 2018 Acura MDX 2018 Hyundai Elantra 2018 Toyota Avalon 2018 Acura RDX 2018 Hyundai Elantra GT 2018 Buick Envision 2018 Hyundai Ioniq Hybrid Small SUVs 2018 Lexus NX 2018 Mazda 3 2018 Honda CR-V 2018 Lexus RX 2018 Subaru Crosstrek 2018 Hyundai Tucson 2018 Mercedes-Benz GLE-Class 2018 Toyota Corolla 2018 Kia Sportage 2018 Volvo XC60 2018 Toyota Prius 2018 Mazda CX-3 2018 Toyota Prius Prime 2018 Mazda CX-5 2018 Mitsubishi Outlander Minivans Midsize cars 2018 Nissan Rogue 2018 Chrysler Pacifica 2018 Honda Accord 2018 Subaru Forester 2018 Honda Odyssey 2018 Kia Optima 2018 Toyota RAV4 2018 Nissan Altima Large pickups 2018 Nissan Maxima Midsize SUVs 2018 Honda Ridgeline 2018 Honda Pilot Midsize luxury cars 2018 Kia Sorento 2018 Alfa Romeo Giulia 2018 Mazda CX-9 2018 Audi A3 2018 Toyota Highlander 2018 Audi A4 2018 BMW 3 series 2018 Lexus ES 350 2018 Lexus IS 2018 Volvo S60 2018 Volvo V60 NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 21 ] Small cars Large luxury cars Midsize luxury SUVs 2018 Kia Forte 2018 BMW 5 series 2018 Mercedes-Benz GLC 2018 Kia Soul 2018 Genesis G80 2018 Subaru Impreza 2018 Genesis G90 2018 Subaru WRX 2018 Lincoln Continental 2018 Mercedes-Benz E-Class Midsize cars 2018Hyundai Sonata Midsize SUVs 2018 Subaru Legacy 2018 Hyundai Santa Fe 2018 Subaru Outback 2018 Hyundai Santa Fe Sport 2018 Toyota Camry NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 22 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 11 of 46 2015 Ford F-150 Discrepancy F-150 Countermeasure Discrepancy 2015 Ford F-150 SuperCrew 2015 Ford F-150 SuperCab NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 24 ] 2018 NAMIC Commercial Lines Seminar - Hazelbaker Page 12 of 46 Small overlap F-150 SuperCab 2015 Ford F-150 SuperCab 2016 Ford F150 SuperCab w/countermeasure NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES [ 25 ] 2015 Ford F-150 SuperCrew SuperCab restraints & head/ hip/ lower overall structure kinematics neck chest thigh leg/foot SuperCrew SuperCab NATIONAL ASSOCIATION OF
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