Would you like
to know how safe your car is? Tables from the Insurance
Institute for Highway Safety show the car insurance losses for many
hundreds of vehicles, grouped together by their size and body style
under six kinds of insurance coverages:
- Bodily injury
- Medical payment
- Personal injury protection
- Property damage liability
The information provided by the tables is a strong signal of just how
safe a car really is.
Car insurance works to cover damage to both vehicles and property and
any injuries sustained in the accident. And, different coverages will
pay for either damages or injuries. Some coverages will be applied
based on who is at fault.
For example: First-party insurance will pay for your losses while
third-party will pay for losses that occurred to other folks because
you’re at fault.
The losses will vary significantly among vehicles under all coverages…
even for vehicles similar in both type sand size.
The results in the tables are founded on loss experience of the 2008 to
2010 vehicle models, from the first time they’re sold until May 2011.
For models that were introduced to the market to those redesigned
during the three year period, the results are based on just the recent
model years where model designs were not changed, 2009 to 2010 or 2010
only. These results are first grouped by vehicle body style then to its
The losses are specified in comparative terms: 100 signifying the
average collision, injury or theft loss for every single vehicle. For
instance, having 122 as a result is 22 percent worse than the average
and having a 96 is four percent better than the average.
Vehicles are in ascending order. As a matter of convenience, the
results are coded by color to specify better and worse than average.
The results have also been altered to lessen the possibility of
distortions from non-vehicle factors such as:
- Operator age
- Marital status
- Calendar year
- Model year
Comprehensive and collision have been altered for the deductible amount.
Those insurance loss results are pretty good gauges of the expertise of
present descriptions of the same automobile models. However, when
vehicle makers design to significantly redesign their vehicles, the
experience of earlier models won’t be able to predict what happens with
the newer design.