The authors report on an analysis of German motor insurers concerning damage-only accidents, the classification system used and its influence on car design and public accident repair cost awareness. A major influence is said to concern increasing crashworthiness and reduced average claim costs. Research by German motor insurers described has been focused on damage-only repair costs by influencing design and repair techniques. In addition, the research has also included the spare parts market with the aim of reducing repair costs and insurance premiums.
Abstract