INSURANCE LOSSES, COLLISION COVERAGES. PASSENGER VEHICLES, VANS, PICKUPS AND UTILITY VEHICLES 1984 MODELS DURING THEIR FIRST YEAR, 1983 MODELS DURING THEIR FIRST TWO YEARS, 1982 MODELS DURING THEIR FIRST THREE YEARS

The results in this report are presented in two sections. The first section summarizes variations in both the frequencies and the sizes of collision claims for damage to private passenger vehicles from three model years: 1984 models during their first year of availability, 1983 models during their first two years, and 1982 models during their first three years. The second section contains similar summaries for vans, pickups, and utility vehicles insured under noncommercial collision coverages. This report introduces new vehicle size class definitions recently adopted by HLDI. Passenger vehicles are now divided into three major size categories defined as small, midsize, and large. Appendix B contains a full description of the HLDI system for classification of passenger vehicles by body style and size. It should also be noted that a number of manufacturers introduced small vans in 1984 that are predominently aimed at the passenger vehicle market. These vehicles have attributes of both station wagons and vans. In this report the passenger carrying versions are grouped with station wagons and the cargo carrying versions are grouped with regular vans. The results were standardized in order to minimize differences that might be attributable to variations in the mix of deductible amounts and operator age groups among different vehicles. Both the frequency and average size of collision coverage losses vary with the deductible amount and the age group of the operators. Standardizing these two nonvehicle factors ensures that their mix is the same for each result. Therefore, to the extent that age distributions within each operator age group and amounts within each deductible group do not vary substantially for different vehicles, these effects cannot bias comparisons among the various results. Other nonvehicle factors have not necessarily been eliminated from the results presented in this report. All of the results are shown in relative terms, with 100 representing the average for all passenger vehicles of each model year. Thus, for example, the relative average loss payment per insured vehicle year of 57 for the 1984 four-door Chevrolet Caprice (Table 1) indicates a result that is 43 percent below the result for all 1984 model year passenger vehicles combined. The results for vans, pickup trucks, and utility vehicles are also shown relative to the all-passenger-vehicle results.

Media Info

  • Features: Appendices; Figures; Tables;
  • Pagination: 52 p.

Subject/Index Terms

Filing Info

  • Accession Number: 00399367
  • Record Type: Publication
  • Source Agency: National Highway Traffic Safety Administration
  • Report/Paper Numbers: HLDI R84-2 Res Rpt., HS-038 346
  • Files: HSL, USDOT
  • Created Date: Sep 30 1985 12:00AM