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Crash avoidance technology and the effects on insurance claims

| Feb 3, 2021 | Motor Vehicle Accidents | 0 comments

Automatic emergency braking (AEB) systems, a prominent factor in crash avoidance technology, has saved countless lives of drivers and passengers. The addition of sensors in the form of cameras and radar that immediately stop drivers from coming too close to obstacles has reduced serious injuries, fatalities, and property damage.

A recent analysis by the Highway Loss Data Institute (HLDI) reveals that rear auto-braking stands out as a better system that prevents accidents and spares drivers the cost of property damage claims. Collision avoidance tech is more effective in that it can virtually take over to stop the vehicle, as opposed to warning systems that alert the driver to move out of the path of a potential collision.

Based on insurance data, the chance of property damage liability claims arising from backing up and colliding with another car drops by 28 percent in cars and trucks with rear AEB. Collision claims for damage to the insured driver’s vehicle decreased by 10 percent for those without the technology.

While accidents at lower speeds do not carry the catastrophic consequences of higher speed collisions, the responsible driver’s financial cost can be significant. Any type of impact with another vehicle while in reverse at the lowest of speeds represents a substantial number of insurance claims.

With a mere 17 percent being in the $2,000 range, the most minor accidents can have major financial implications. From 2010 to 2017, these types of property damage claims – most without bodily injuries – reached $8 billion.

Affordability plays a role in the “extras” offered to prospective vehicle buyers. Even with the most cutting-edge of accident prevention technology, drivers still must pay attention to their surroundings and not become dependent on technological help.