CONCLUSION
The results
of this research show a clear opportunity to create significant pricing
segmentation for vehicles equipped with core ADAS features. It is important to
understand not only when certain core ADAS features are equipped on a vehicle,
but also their combination with other core ADAS features. The combination of
features collectively forms a safety zone around the vehicle based on areas of
influence, level of technology and type of coverage considered. Insurance
carriers have the necessary tools to create an ADAS rating plan by leveraging
Vehicle Build information along with the claim frequency reduction data details
available through LexisNexis Risk Solutions.
Although the
findings of this research are enough to warrant a rate discount program for
core ADAS equipped vehicles, our team at LexisNexis Risk Solutions is
continually looking at opportunities to enhance its findings. At the time of
this research, Vehicle Build data is able to provide definitive equipment
information (no Unknowns) across all core ADAS features for 73% of vehicles in
the ADAS Era.
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