The Highway Loss Data Institute (HLDI), a non-profit research organization closely associated with the Insurance Institute for Highway Safety, collects and analyzes insurance data and publishes statistical findings about the number and extent of losses (injury, collision or vehicle damage, and theft) associated with most popular cars, light trucks, and vans. Since its incorporation in 1972, HLDI has been the principal source of public information about motor vehicle insurance losses. This publication provides information on the kinds of statistics HLDI reports and discusses the following topics: the wide variations in claim frequencies; the collision claim experience by size of car; theft losses; factors affecting insurance losses (e.g., antitheft devices, vehicle defects, etc.); safety belts, use laws, and automatic restraints; automobile bumper strength; and how HLDI findings are computed. (Author/publisher)
Samenvatting