Vehicle Buying Patterns Portend More Injuries

Affected by the turmoil in the economy, job losses, and increasing oil prices, consumers have drastically adapted their car buying habits from the days of behemoth SUV to smaller, lighter cars. Since 2006, carmakers have added more subcompact and micro cars to their fleets, giving car buyers the lower purchase price and fuel economy they have been in search of. At least this is what most of us observed and surmised as fact. But what does this transformation mean and how momentous was the shift?

Data points readily available from RL Polk tell us what vehicles by weight consumers are purchasing and bringing into the on-road fleet. We took this detailed volume and weight data and created a weight-by-vehicle index to pattern the relative purchases over time (normalized for volume differences).

Vehicle By WeightThe trend toward heavier vehicles continued through 2007 and strongly into 2008, when most realized the recession was upon us and was going to wield a significant impact. Heavy vehicle purchases dropped precipitously while medium-weight purchases remained constant and lightweight purchases rose significantly.

What does this mean with regard to injuries sustained in accidents?  There are two major concerns. First, the probability of significant weight differential in accident vehicles increases as more subcompact and micro cars are added to a fleet bloated with Suburbans and Expeditions. Data from the Insurance Institute for Highway Safety tells us that more deaths occur in lighter vehicles than heavier vehicles. Using the same logic, more injuries are likely to occur when the disparity of vehicle weights is significant.

The second issue is the relative height of vehicle crash points. A bumper on a sizeable SUV, such as a Suburban, is much higher and the mass behind it much greater than the bumpers on a subcompact like a Honda Civic. Bumper-to-bumper crashes in this instance are almost impossible, particularly if the SUV or light truck driver has lifted the vehicle, which also creates the potential hazard of an SUV bumper overriding the side impact beam of many small cars. The subcompact car submarines the larger, heavier vehicle, missing the crash points that have been built in to absorb the impact, sending the larger vehicle toward the passenger compartment.

Vehicle weight and height, along with physics, foretell more injuries and higher severity until safety measures are implemented to mitigate the height differential and more of the current fleet moves from heavy to medium and light vehicles.

Related: More Blog Posts from Sounding the Horn

 

About the Author
Tom McCarthy

Tom McCarthy

Tom McCarthy is senior advisor for Mitchell International and founder of Mitchell Casualty Solutions. He may be reached at tom.mccarthy@mitchell.com, www.mitchell.com.

Comments

Resource Library

View All »

Learn and Apply the Secrets of Successful Businesses to Your...

What does it take to elevate your agency to be known as the best of...

Have you outgrown your QA system?

Your claims audit tools must handle organizational growth and changing best practices. Download the "25...

Complimentary Sales Closer Questionnaires for Commercial Residential Property Insurance

Help property owners or managers compare your commercial residential property insurance coverage vs. the competition....

The Latest Business Intelligence Capabilities to Reduce Costs and Enhance...

SIMS Insight is the advanced business intelligence module of SIMS Claims. Want more information? Download...

Top Trends in Roof Risk Mitigation

Get an in-depth look at the progression of the roof problem, including a four-step path...

When Banks Won't Help, Oak Street Funding Will.

Our commission-based loans are designed to help agents and brokers invest in their business, consolidate...

Home Run Leads are Here!

Our high quality leads will have you swinging for the fences and knocking your sales...

We Have Your New Formula for Success!

Your goal is to deliver maximum impact on those critical aspects of business that drive...

Complimentary White Paper: What Makes a House a Home?

The restoration vendor is the first person on site after a disaster strikes a home...

Complimentary Case Study on Data and Analytics Solutions

Infinilytics provided their client a solution platform with an increased scope of data insight and...

Claims Connection eNewsletter

Breaking news on disasters, fraud, legal trends, technology, and CE initiatives for the P&C claim professional – FREE. Sign Up Now!

Claims-Handling Guidelines

Claims Magazine is providing the following free guidelines and regulations in order to help adjusting professionals stay abreast of each state’s unique property and casualty claim-handling requirements.

View our State Guidelines »

Advertisement. Closing in 15 seconds.