The Highway Loss Data Institute (HLDI) is a nonprofit public service

organization. It is closely associated with and funded through the

Insurance Institute for Highway Safety, which is wholly supported by

auto insurers. HLDI gathers, processes, and publishes data on the

ways in which insurance losses vary among different kinds of vehicles.

1005 N. Glebe Rd. Arlington, VA 22201 703/247-1600 Fax 703/247-1595 www.highwaysafety.org

Collisions that result in serious and fatal occupant injuries are rela-

tively rare, so they have only a small influence on the insurance injury

Vehicles with high death rates often have high frequencies of insur-

ance claims for occupant injuries.For example, small two- and four-

door cars typically have high death rates and higher-than-average

insurance injury claims experience. But there are exceptions. Sports

cars tend to have high death rates because they’re more likely to be

in high-speed single-vehicle crashes in which the risk of fatality is

high. However, insurance injury claim frequencies for sports cars tend

GUIDE TO THIS REPORT

GUIDE TO THIS REPORT

years for which the vehicle designs were unchanged — either 1999-

experience of current versions of the same vehicle models. However,

manufacturers substantially redesign their passenger vehicles period-

ically, and, in these cases, the experience of earlier models with the

Collision and theft losses are presented in terms of average loss pay-

Collision coverage: insurance that provides reimbursement for the

collision or theft loss payments for claims for a group of vehicles divid-

the group; result is expressed in relative terms compared with all cars

Relative claim frequency:number of injury claims for a group of vehi-