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Study: Vehicle Size Related to Injury and Collision Claims

October 6, 2005

A report from the Highway Loss Data Institute, the data branch of the Insurance Institute for Highway safety, lists data on vehicle models with the highest collision, injury and theft insurance losses that supports the claim that vehicle size is tied to injury and collision claim, the Wall Street Journal reported.The report, weighing insurance losses for 2002-2004 model years, provides and indication of vehicles with the highest insurance premiums and frequency of injuries. The data was submitted by about 20 of the largest insurers.Injury losses are measured by frequency of injury claims. DaimlerChrysler’s Dodge Neon SRT-4 was the worst of the vehicles studied in that category. However, that model is no longer produced and will be replaced by the Dodge Caliber, which begins production in January. Others ranked below average include many from the four-door, small-car segment.Below Average Injury Loss Results
  • Suzuki Aerio
  • Kia Spectra (sedan and hatchback)
  • Suzuki Forenza
  • Mitsubishi Lancer
  • Conversely, the following pick-ups and SUVs turned in much better than average injury loss results:Four-Wheel Drive Pickups
  • Chevrolet Silverado 3500 crew
  • GMC Sierra 1500 crew
  • Dodge Ram 3500 quad
  • Two-Wheel Drive Pickup
  • Chevrolet Silverado 2500
  • Four-Door SUV
  • Toyota Land Cruiser
  • Generally, larger vehicles tended to have better injury loss results than smaller cars, according to the report.Looking at collision and comprehensive coverage, the study measures collision and theft losses from the frequency and amount of payments filed. Age, seatbelt use and road conditions could have an impact on the data.
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