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发帖数: 291 | 1 http://blogs.cars.com/kickingtires/2012/09/iihs-large-cars-prot
The smaller the vehicle, the more likely you are to be injured in a car
crash, according to recent crash-loss data published by the Insurance
Institute for Highway Safety/Highway Loss Data Institute. The group looked
at model year 2009-2011 vehicles.
If you own a small car — such as the 2011 Ford Fiesta, 2011 Kia Soul, 2011
Mitsubishi Lancer or 2011 Scion xB, which were all IIHS Top Safety Picks —
it's important to note that the crash-test results reflect a collision with
a vehicle of similar size. Unfortunately, in the real world, where most
vehicles on the road are midsize or larger, a small car doesn’t perform as
well.
IIHS demonstrated this fact a few years ago when it crashed compact vehicles
into midsize vehicles; the results were brutal (see video below).
The HLDI study reflects three model years of insurance loss claims that have
been controlled for factors such as driver age and gender, deductible and
the number of registered vehicles per square mile from the garaging location.
Medical payment insurance, bodily injury liability insurance and personal
injury protection (PIP), which is used in the 17 states with no-fault
insurance systems, had the highest payouts for owners of minicars (such as a
Ford Fiesta) or small cars (such as a Chevrolet Cruze). Insurance payouts
for personal injury and medical payments were 73% and 88% more for minicars
compared with the average vehicle, according to the data.
Daily drivers with high personal-injury claims include Mitsubishi Lancer,
Toyota Yaris, Chevrolet Aveo, Nissan Versa, Hyundai Accent and Dodge Avenger
, HLDI says. Vehicles with the lowest personal-injury claims were typically
the largest vehicles, such as large SUVs, pickup trucks and minivans.
Vehicles with above-average collision losses, in terms of repairing damage
to the automobile, were dominated by small and midsize two-door cars; small,
midsize and large sports cars; all luxury cars; and large luxury SUVs, the
Institute said. Vehicles with the highest comprehensive insurance claims (
usually for theft) were all luxury cars, large two-door cars, large and very
large luxury SUVs and very large pickups.
In a nutshell, vehicles with the worst insurance claim records tend to be
high-end sports and luxury cars, which are expensive to fix, or smaller,
less expensive, performance-oriented cars favored by young drivers who are,
on average, more prone to get into accidents. |
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