AIR12-15-03

8/11/2019 AIR12-15-03

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Dec. 15, 2003

InsideVol.11#11/481

Someone has to strap themselves in tocar and see how much it hurts to crash,

t least if you want to collect data on carcrash injuries. Just be glad that you're notthat someone. Page 2

Someone has to crash cars in order to seehow they fare, in order to collect data onhow cars respond to external forces. Socar, about 5,000 cars have paid the price in

the name of science and safety. Page 3

Auto Insurance Report The Authority on Insuring Personal and Commercial Vehicles

RISK INFORMATION, INC.33765 Magellan Isle • Dana Point, CA • 92629 • (949) 443-0330

www.riskinformation.com

Please see CRASH SCIENCE on Page 2

The Grapevine

Automating “ esktop Reviews”Requires Crashing Into Science

t t e core o most conteste auto acc ent n uryc a ms s t e quest on o w et er t e sever ty o a co s oncould likely lead to the claimed injuries. For decades, insur-ers ave e t er spent eav y on orens c experts, or to eepcosts un er contro use a var ety o g y unsc ent c ap-proac es n an e ort to reso ve t s ssue, w t ec e ym xe resu ts.

s t enoug to oo at t e o ar amount o t e autorepa r ar y, t oug t s s a common too . ow a outoo ng at p otograp s to see ow a y amage a car

may ave een u mentary, at est. sent a ro enbone, or a ruptured disc, can even a doctor really con rm or

eny t e ex stence o a so t t ssue n ury ot w t out c a -enge.

o e sure, at t e most extreme eve s t ese too scan wor . t ere s no amage to e t er ve c e n a co -

s on, no ev ence o s mar s, an no v s e s gns on ury to anyone n t e ve c es, t m g t e poss e or aury to scount a m on- o ar c a m or a so t t ssue acn ury. r an a uster sees a car w t ot ront an rear

ends collapsed into the passenger compartment, it becomesno- ra ner to accept t e c a m o w p as .

as, t e vast ma or ty o c a ms a n etween

Please see GRAPEVINE on Page 8

McKinsey and InsureQuoteJoin Forces To ExamineUnderwriting Sophistication

t t e uto nsur-nce eport at ona on erence,nsure uote Keith Toney

n c nsey ana yst au angstarte c att ng ur ng a co eerea . ey ept t up ur ng t e

next rea , an a ter t e meet-ng was over. ey tra e us -

ness car s an ept ta ng on t ep one, an v a ema , an n meet-ngs. c nsey as ong wor e

to identify personal auto insurancepr c ng sop st cat on, go ng so ars to sen researc ers to nsurance

Who unnit he R May Known , a out o cars on t e roa n t e n te

States will carry a little box, called an event data recorder, t at can recor v ta n ormat on a out t e car ust

e ore, ur ng, an a ter a co s on. at percentage srow ng a out a year, accor ng to n ury c ences

. rme w t t s n ormat on, r vers an t e r nsur-ers w ga n a muc more accurate p cture o w at appensn acc ents, e p ng to ent y t e e oo o n ury,e p ng courts c ar y gu t an comparat ve neg gence.

ut t e a ty to arvest t s n ormat on, an t ePlease see WHO DUNNIT? on Page 6

Reprinted with Permission

8/11/2019 AIR12-15-03


Auto Insurance Report age December 15, 2003

Warning: Auto Insurance Report is a con dential, copyrighted newsletter f or subscribers only. No part o t s pu ca t on may e re pro uce y any orm or means, n c u ng p o to copy ng or ac-

s m e transm ss on, w t out pr or per m s s on o t e Pu s er. For n ormat on ca 949 443-0330.

e searc s or t e e us ve"delta v," which is the measure ofvelocity change that tosses bod-

ies around inside crashing cars.

CRASH SCIENCE ontinue rom age


t ese two extremes. n ere, nsurers are nowreac ng out or new too s t at cou ettermeasure t e e oo o n ury. mong t esetoo s, t e most newswort y s t e rap ncreasen t e num er o cars on t e roa w t “ acox event ata recor ers , w c can

save information on how fast a car was traveling,t e sever ty o an mpact, seat- e t usage n t ecar, etc. ess utur st c ut equa y ntr gu ngtoo com nes n ormat on on acc ent sever ty

nc u ng ata, ava a e an corre atest to ata rom rea n ur es susta ne y uman

su ects w o vo unteere to cras t emse vesn a car or sc ence. ee story, page one, on t e

emergence o ata.Scott Palmer , pres ent an o n-

ury c ences, s ts at t e nexus o many o t eseeve opments. e exas company was ormey octors w o exam ne w at appene to

m tary p ots n g t. ese tests prov e ve

uman test su ects or exam nat ons on ow ac-ce erat on an ece erat on mpacte t e uman

o y. t was ust a m nor stretc to test ng u-man react ons to a rupt ece erat on n auto ac-c ents, somet ng t e octors, an a mer,were w ng to try on t e r own.

We tried joking about the Texas boysputt ng t e eer on ce, strapp ng on sensors, ancras ng cars nto po es or un. a mer too o -ense to t e suggest on t ey ran e ore cras -ng cars. t wou ru n t e protoco s, a mer to

us w t a stra g t ace. trapp ng on t e sensorsn cras ng yourse n a car to see ow muc turt at part was true.

n ury c ences grew out o o ynam cResearch Corp. After studying the effects ofcce erat ons on p ots o g per ormance a r-

cra t, suc as w en you catapu t someone on an

a rcra t carr er, t e company oun t at sucevents were ana ogous to rear an ront en co -

s on. e company a so eve ope an expert sen exam n ng pro uct a ty cases.

In the late 1980s the company was re-ta ne y severa nsurers on some auto nsur-

nce o y a ty cases to exam ne t e re at-e ness o so t t ssue n ury c a ms to auto co -s ons. e company was rustrate y t e ac

sc ent ca y soun researc , so t em ar en researc o ts own, an egan searc ng oretter ata. n t e past twenty years, t e num-er o measure uman tests as umpe rom

just 60 to more than 1,200. Only a handful werecon ucte y n ury c ences tse , as umantest ng s now ta ng p ace at a w e range o or-

an zat ons aroun t e wor .s tota oes not nc u ng some

tests con ucte y one R. Haight , w t mses t e test su ect. e a perverse y mpress vec evement, a g t's cras es are not su c ent-y ocumente sc ent ca y to e use y n uryc ences or ot ers.

t e usea e tests, a out use ma esu ects, an on y ema e. ere are a so

mu t tu e o tests us ng uman ca avers aneven re evant an ma tests, t ose t ese c ear y

ave ess ut ty t an ve uman test su ects.rme w t n ormat on on rea umanresponses to rea co s ons at s ow spee s, t e

octors gave way to t e car spec a sts. vastrray of information is available from privaten government agenc es an rom auto manu-acturers a out w at appens to cars at var ous

co s on sever t es. t suc an mpact, t e a rags w ow. t so muc spee , t e ront ens pus e n y so ar. a e a tape measure to

amage car an , y accurate y see ng t eresponse o s eet meta to an mpact, you can

auge ow muc orce was create y t e co -s on.

e searc s or t e e us ve ut cr t -ca y mportant “ e ta v, w c s t e measure


8/11/2019 AIR12-15-03


Auto Insurance Report ecem er , Page 3

arning: Auto Insurance Report is a con dential, copyrighted newsletter for subsc ribers only . No part o t s pu ca t on may e re pro uce y any orm or means, n c u ng p o to copy ng or ac-

s m e t rans m s s on, w t out pr or per m s s on o t e Pu s er. For n ormat on ca 949 443-0330.

The goal is to identify wheth-er a claimed injury is within the

sphere of probability given the best science on car damage and

uman react on to co s ons.

CRASH SCIENCE ontinue rom age


o ve oc ty c ange. t s t at ve oc ty c ange t attosses o es aroun n cars, snapp ng ea s

ac an ort an pus ng c ests aga nst seate ts an steer ng w ee s an ea s aga nst as -oar s an w n s e s.

o un erstan w at appene to a ve -c e, an w at orces t e co s on may ave eenexerte on ve c e occupants, n ury c encesuses t ree categor es o ata:

• e amage repa r est mate. oo ngcomponent y component at t e ec s on to re-pa r or rep ace, t e company ta es a repa r est -mates nc u ng supp ements an compares t at

ata aga nst cras tests.• Amount of deformation to the vehicle.

n a propr etary so tware pac age, t e companyprov es a screen or a usters to pa nt n t eamage pro e. ey nee to ta e a tape mea-

sure to t e car, usua y w en t ey go to p oto-rap t e car. ow muc was ve c e s orteney an mpact

• ese two poo s o n ormat on are t encompare aga nst nown cras tests to esta sthe upper end of the severity of the collision.

e cras ata, muc o t at s ow spee s – . to mp – an rang ng up to m es an

our, comes rom t e government, auto ma ers,t e nsurance nst tute or g way a ety

onsumer eports , an pr vate organ zat onssuc as n ury c ences, w c as cras e a

ozen cars on ts own or var ous reasons. ereare a out , sc ent ca y measure cras esn t e company's ata ase.

t t at po nt, t e octors an t e car ex-perts g ve way to t e mat w zar s. rme w tt e “ e ta v, n ury c ences can now ta e t escienti c measures of an accident and correlatet w t rea -wor n ur es t at were ent e numan test ng. t an mpact o , an n ury o

s e y.s assessment s on y poss e on

ow-spee co s ons w ere uman su ect test-ng ata s ava a e. oug we've seen some

frightening voluntary crash lm, even the Texastest ng tournamenteers are not yet w ng tosu ect t emse ves to a g -spee cras . uta arge percentage o auto acc ents appen atmodest speeds, and an even larger percentage ofquest ona e n ury c a ms come rom t ese owspee cras es. ter a , n g spee co s ons,n ur es are muc more un erstan a e.

sa e enc mar or t e a ty to app ythese tools is whether a car's wheels can roll orsteer a ter t e co s on. a ve c e s amageso muc t at w ee s cannot ro or steer, t en t e

uman test ng oes not ex st. mong acc entsthat result in injury claimants, between 30% and

o cars can st ro or steer.mportant caveat: too o ten t s assume

t at g -spee co s ons are a ways severe,an ower-spee co s ons are a ways mo est n

terms o t e r a ty to cause n ury. t t e r so r ng ng ac n g tmares o t e co ege

entrance exam, cons er t ese two cases:wo cars are r v ng on t e reeway n

t e same ane, n t e same rect on. ne n t eront s go ng mp , t e one e n s go ng

70 mph. Both drivers are messing around witht e r ra os an pay ng no attent on. e astercar rear-en s t e s ower one. e erence e-tween t ese ve c es at t e t me o co s on smp . o e sure, t e r ver n t e ront w ee anasty ump. ut compare t s acc ent to a par -ng ot acc ent etween two cars trave ng at

mp w en t ey t ea on. e com ne orces mp , muc greater t an t e g er-spee

highway accident.]e goa s to ent y w et er a c a me

n ury s w t n t e sp ere o pro a ty us ng


8/11/2019 AIR12-15-03


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QUANTITY TYPE DESCRIPTION AMOUNT

$999.00TOTAL:

Please submit one form for each attendeeMake checks payable to Risk Information Inc. (Tax ID 33-0778701)

Credit cards not accepted.

Full refunds will be made for cancellations in writing prior to April 23, 2004.Cancellations between April 23 and April 30, 2004 will be subject to a $150 cancellation fee.No refunds for cancellations on or after April 30, 2004.

Substitutions to enrolled delegates may be made at any time.To reserve your sleeping room, contact the

Four Seasons Hotel, Newport Beach, California, at 949-759-0808Identify yourself as an attendee at the Auto Insurance Report National Conference.For more information call Tracie Sullivan, Conference Director, at 949-443-1983

1

1

1

AIR2004

SubDisc

Earlybird

2004 Auto Insurance Conference

Subscriber/Attendee Discount

Earlybird Discount (pay by 12/31/03)

$1,199.00

-$100.00

-$100.00

Yes! Please reserve my space at the conference at the specialearlybird attendee/subscriber rate, a $200 savings .

Name:____________________________________________________

Nickname for badge:_______________ Title:______________________

Company Name:____________________________________________

Address:__________________________________________________City, State, Zip______________________________________________

Phone:_________________________ Fax:______________________

email: ____________________________________________________

RESERVATION FORMPLEASE FILL OUT THIS FORMAND MAIL IT WITH PAYMENT

TODAY TO:Auto Insurance Report National Conference

1110 Kalmia Ave., Boulder, CO 80304Tel: 303-938-8840 • Fax: 303-938-8625

Email: [email protected]


8/11/2019 AIR12-15-03


8/11/2019 AIR12-15-03





AIR

t e owner o t e ve c e s a so t e owner o t eata.

owever t s oes not prec u e t e useo t e n ormat on n t e event o a c a m. eaw s evo v ng, ut t seems c ear t at once a

c a m s ma e, t e rst party c a mant as a utyto cooperate. This point has been clari ed in there ease o me ca n ormat on, or examp e. nnsurers ave a ways a t e r g t to exam ne ae c e n assess ng a c a m. ata s a most

certa n to a nto t s arena.or t r party c a mants, t e aw on

ata s emerg ng to support ts use n c vor cr m na procee ngs, even aga nst t e w s eso t e owner.

A different problem can emerges inarvest ng t e ata e ore t s w pe c ean or

“spo e . s o on to t e n ormat on ora m te per o o t me, typ ca y t roug a setnum er o gn t on cyc es. n m nor acc ents,a c a mant may cont nue to r ve a car, w ccou w pe t e recor er c ean o acc ent n or-mat on.

so, t w e v ta t at t e c a n o con-trol of information is kept free of the possibilityo tamper ng ata s to e ater use n a ega

sett ng. e “c a n o custo y must e eptc ear an c ean.

here are several steps that must beta en un ts are to p ay a ma or ro e nauto c a ms management. rst nsurers mustconc u e t at t e ene ts o av ng t e n orma-t on outwe g s t e cost an trou e o gat er ngt e n ormat on. nsurers c oose to go a eaan severa carr ers ave a rea y ta en t s

step , t ey must arrange or arvest ng un ts toe ava a e to repa r s ops, a usters, or ot .

Though the costs are not outrageous, there ares gn cant nvestments to e ma e n equ pmentan tra n ng.

ew protoco s must e esta s e , ant en re ne or severa years t roug exper -ence. ou t e ata e arveste rom a

ontinue rom age cars s wou create a cons stent po cy t atwou counter any accusat ons o se ect ve en-forcement. It would also be helpful in ensuringt at n ormat on s co ecte qu c y e ore t s“spo e or t e c a n o custo y ecomes toomessy. r, s ou t e ata on y e arveste nmore severe acc ents n or er to save costs

o s ou o t ey arvest ng t s t e repa rs ops, s ou nsurers s are n t e cost o pur-c as ng t e equ pment, or s ou t e s op eart s cost, as t ey o or a t e r ot er too s anequipment? If the repair shop harvests the data,w at oes t s mean or t e pur ty o t e “c a no contro

one o t ese ssues s nsurmounta e,an none ave proven s gn cant y trou ng to

t e e g ng use o ata w c s a rea ytrans orm ng t e c a ms process or t e an -u o nsurers w o ave venture nto t e new

wor .At the end of the day, access to this infor-

mat on w e a oon to goo r vers an t osew o ma e eg t mate c a ms. e n ormat onw con rm, as not ng e se cou , t at t eywere r v ng at a sa e spee , t at t ey t t e

ra es appropr ate y, an t at t ey were struc ,rat er t an o ng t e str ng. or c a mants w o

pro ess eg t mate n ur es, t e n ormat on wcon rm t e orces t at n ure t em, ma ng teasy for insurers to quickly write a check withcon ence.

ut or ot ers, t e n ormat on w e astrou ng as a reat a yzer test or re - g t cam-era. t cou prove t at t ey were spee ng rec -ess y on a ra n-s c ene roa , an counter t e r

c a m t at anot er r ver n t ate t e acc ent.or t ose w o wou a se y c a m t at t e r soreac came rom a car acc ent, an not rom t e

weekend rugby game, the information will showt at t ey were su ecte to m n ma orces n t ea ege acc ent, or per aps t at t e car was noteven e ng r ven w en t ey c a m t ere was anacc ent, or t at t ey were not wear ng a seat e tas t ey c a me .


8/11/2019 AIR12-15-03


Auto Insurance Report age December 15, 2003

Warning: Auto Insurance Report is a con dential, copyrighted newsletter f or subscribers only. No part o t s pu ca t on may e re pro uce y any orm or means, n c u ng p o to copy ng or ac-

s m e transm ss on, w t out pr or per m s s on o t e Pu s er. For n ormat on ca 949 443-0330.

Auto Insurance Report r an . u van, torTelephone: (949) 443-0330

Fax: (949) 443-0331Email Address: [email protected]

u scr pt on n ormat on: - -n t e e : www.r s n ormat on.comAuto Insurance Report, ©Copyright 2003, publishedwee y, t mes a year, y s n ormat on nc.,33765 Magellan Isle, Dana Point, CA 92629. It is aviolation of federal law to photocopy or reproduceany part o t s pu cat on w t out rst o ta n ngpermission from the Publisher. ISSN: 1084-2950Subscription Rates: 797 per year in U.S. andCanada. Elsewhere $847 per year.

departments with rolls of quarters to copy rat-ng p ans, w c t e rm exam ne n searc ons g ts. o as t e most sop st cate s s n

matc ng pr ce to r s at a vantage oes t sbring them? What disadvantage does this pres-ent or ess sop st cate compet tors ese arepower u y mportant quest ons, an t e answerscan ent y t e uture o t e mar etp ace. ss t e n o t ng t e researc ers at c nseyve or.

s any nsurer w o as tr e t e samet ng can te you, t e exper ence o try ng tocu t ese answers rom paper ngs s ess t ansatisfactory, and to truly understand the market-p ace requ res a ercu ean e ort. e've seensome o t ese manua e orts, an w e nstruc-t ve, t ey ac t e compre ens veness necessaryto e tru y e n t ve.

nter nsure uote, w c s ac on tseet w t a comparat ve rat ng an compet t vena ys s pro uct a ter e ng noc e own or a

moment n t e ot-com ust. at's a story ornother time.) With an automated tool for exam-n ng un erwr t ng sc emes, nsure uote can

ta e t e ercu ean e ort o exam n ng pr c ngp ans o var ous nsurers across erent r s sn erent states, an re uce t to one t at s

st enormous c wartzenegger an n scope,yet nevert e ess managea e.

oget er, c nsey an nsure uotecon rme to us ast wee t at t ey are n t emidst of a joint research effort that began at lastyear's con erence, an we are p ease to reportt at t e ru ts o t e r wor w e re ease ort e rst t me, tt ng y enoug , at t e next uto

nsurance eport at ona on erence, to ee ay - , at t e our easons oten ewport eac , a orn a. e've seen t e

pre m nary reports, an t ey are stunn ng. t'sng us to eep a prom se to wa t or t e na

result before sharing the information.)

Continued From Page 1

GRAPEVINE

e con erence s mov ng qu c y to ts

nnua so -out status. qua y mportant, t e100 discount for Earlybird registrations is avail-e on y unt ecem er , , ust a ew

business days away. Lasting a little longer, butnot too much longer, is our preferred 229 roomrate at t e our easons, an equa y scounterates or upgra e rooms an su tes. e ave

m te num er o rooms at t ese pr ces, anw en t ey are gone t e ote 's regu ar, an g -er, pr ce st goes nto e ect.

o you or someone n your organ za-

t on p ans to atten t s year's con erence, weurge you to make your reservations soon in orderto capture s gn cant sav ngs, an to prevent e-ng s ut out y our se -out. e ave c ose t eoors every year at atten ees.

e con erence reg strat on orm sva a e n t s wee 's news etter. o reserve a

room at t e ote , ca t e our easons at -- , an ma e sure you te t em you are

tten ng t e uto nsurance eport at onaConference. For more information, go to ourwe s te at www.ris in ormation.com n c c

n t e n or "reg strat on n ormat on anorms."

you ave any ot er con erence ques-t ons, ca on erence rector rac e u van at

- - . AIR


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