Automotive technology has grown dramatically in the last 10 years. Much of this technology is dedicated to enhancing the safety of operating a passenger vehicle. Collision avoidance technologies now abound in a variety of mass market vehicles. The most reliable thus far has proven to be front crash prevention. These systems manifest fewer crash-related insurance claims, and as a result they’re helping to drive down premiums for their owners.Front crash prevention systems that provide audible and imminent warnings tend to reduce claims by 4% to 9%. Systems that are also able to autonomously apply braking force can significantly increase the effectiveness of the system, resulting in claim reductions of 14% to 32%. Achieving top IIHS safety ratings now requires that cars come equipped with these features.
Other collision avoidance technologies are seeing implementation as well, though their efficacy is as yet undetermined. Lane-departure warning systems can be effective in notifying drivers of drifting into other vehicles, but can also startle drivers into taking dramatic or overly harsh corrective actions. Blind-spot monitoring is also a technology currently under implementation. Adaptive headlights have proven to reduce property damage claims by approximately 10%.
Watch for these and other collision avoidance systems to make further impacts on the industry in years to come. They’re evolving quickly, and could help you to save significant with your insurance provider. To learn more, contact us.