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Crash Avoidance Technologies Reducing Accidents, Saving Lives

New study shows “clear success” of collision warning, auto braking, adaptive lighting systems.

by on Jul.03, 2012

New collision avoidance systems appear to be having a significant payoff in terms of reduced insurance claims, says a new study.

While it’s likely to be a number of years before fully autonomous vehicles start rolling onto the nation’s highways the latest crash avoidance technologies – including autonomous braking systems – are having a major impact, according to a new study that finds they result in significantly fewer crashes, injuries and fatalities.

The new report by the Highway Loss Data Institute (HLDI) reveals that forward collision avoidance systems – especially those that can begin to brake even before the driver is aware of a problem – and adaptive lighting systems are delivering the biggest benefits.

But not all the new crash-avoidance technologies are proving equally effective.  There’s no clear evidence that blind spot detection and park assist systems have a measurable effect.  And Lane Departure Warning technology “appears to hurt, rather than help,” the new report cautions.

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As more automakers offer advanced technologies on their vehicles, insurance data provide an early glimpse of how these features perform in the real world,” says Matt Moore, vice president of HLDI, an affiliate of the Insurance Institute for Highway Safety (IIHS). “So far, forward collision technology is reducing claims, particularly for damage to other vehicles, and adaptive headlights are having an even bigger impact than we had anticipated.”


Best and Worst Auto Insurance Companies Rated

NJM, USAA, Amica Mutual and Auto-Owners among the best.

by on Sep.08, 2010

Night time is the wrong time for teenage drivers.

The bottom of the ratings include some well known, heavily marketed companies.

Dealing with car insurance after an accident is when drivers need good customer service and a fast response. According to the latest survey from Consumer Reports 86% of readers who filed were highly satisfied with the handling of their claims among 22 insurance companies.

All 22 rated companies scored well with an 81 or higher, but some did better than others. Among the highest-rated were NJM Insurance Group (New Jersey Manufacturers Insurance Company), USAA Group, Amica Mutual Group, and Auto-Owners Insurance Group of Companies, with overall satisfaction scores of 92 or higher. Customers for all four companies had relatively few problems with their claims.

The CR car insurance scores for claims-related problems and timely payment are based on the experiences of 28,241 respondents who filed claims that were settled or rejected from January 2006 to June 2009. The score reflects overall satisfaction with claims handling. A score of 100 would mean all readers were completely satisfied; 80, very satisfied, on average; 60, fairly well satisfied.

The bottom of the ratings include some well known, heavily marketed companies – Commerce Insurance, MetLife Auto, Travelers, Progressive Group, Farmers, Allstate and Nationwide.


Vehicles Thieves Love to See – and Take

Cadillac Escalade, Ford F-250 pickup, Infiniti G37, Dodge Charger top list of insurance claims for theft. Buy a Volvo?

by on Aug.05, 2010

Cadillac earns a dubious distinction from the "midnight auto parts" set.

The chop shop gang has definite favorites when it comes to swiping vehicles. So you might want to think about “ hot cars” in a two-fold manner.

The first is the simple hot car or truck – selling well, in demand for the moment and with some buzz behind it.  A good set of wheels, right?

However, hot as “in demand” has a darker side, too, and might give you second thoughts about your next vehicle.

According to the latest data from the Highway Loss Data Institute (HLDI), people file insurance theft claims for versions of the 2007-09 Cadillac Escalade, a luxury SUV, followed by Ford’s F-250 crew pickup, the Infiniti G37 luxury car, and Dodge Chargers with a HEMI engine, more than any other models.

In fact, theft rates for these vehicles are three to five times as high as the average for all other vehicles – your rates may vary, but you will likely pay a premium for coverage if you own one of these.