UNIVARIATE LOSS COST IMPACT
After
controlling for the main effect of commonly used rating factors, our team
compared vehicles with one or more core ADAS features to similar vehicles
without any core ADAS features. Results showed that vehicles with at least one
core ADAS feature resulted in 27% fewer bodily injury (BI) claims, 19% fewer
property damage (PD) claims, and 8% fewer collision claims. In contrast, claim
severity saw minimal movement, increasing 2% for BI claims, 1% for PD claims,
and decreasing 3% for collision claims.
Reduction in
claim frequency is intuitive, as ADAS equipped vehicles should result in fewer
collisions and therefore fewer claims. Market perception around severity has
been that severity could possibly negate the benefit resulting from frequency
reduction. However, our research suggests that change in claim severity is
minimal and improvement in loss cost is attributed overwhelmingly more to
reduced frequency.
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