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The automotive industry is in the early stages of fundamental transformations that are beginning to radically change both frequency and severity of auto claims. Rapid adoption of new technologies, materials and more powerful engines are driving these changes. Hybrid cars are beginning to reach critical mass. Electric powered vehicles like the Nissan Leaf, Chevy Volt, and Tesla Electric Vehicles are about to hit showrooms around the country.  

Collision avoidance systems using radar and sensors are already in some high-end luxury cars and will inevitably move into the mainstream market. Event Data Recorders (EDRs), reporting on driving habits and usage along with accurate GPS-based location tagging, are becoming mainstream. New materials, components and crumple zones have altered injury and severity profiles.

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