Advanced Driver Assistance Systems (ADAS) are designed to decrease the frequency of accidents and proactively improve driver safety. As consumer ADAS adoption continues to grow, we wanted to better understand how these automated safety features on newer model vehicles help mitigate the number of insurance claims, and ultimately, impact loss cost performance.

We commissioned a series of studies which examined the effect of ADAS on claim severity and frequency in multivariate settings. Our studies show an overall reduction in loss cost by coverage, which can warrant ADAS feature-based policy discounts and benefits for both drivers and insurers.

Do ADAS features on newer vehicles change what we know about their impact on claims?
In a recent study, we utilized a sample of updated model vehicles (2014-2021) and used a more recent performance window to measure loss cost. ADAS feature combinations continue to reduce the number of collisions, thereby helping mitigate the number of insurance claims. Fill out the form to receive a copy of the latest study.

What are ADAS features?
ADAS features include expensive and complex technical components and are often installed on exposed areas of vehicles, making them susceptible to damage from a collision. These findings have useful implications for insurance rating and underscore the importance to insurers of having an awareness of the specific ADAS features that exist on a particular vehicle during the policy underwriting process.

Previous Reports
In previous studies, we examined the multivariate effect of ADAS features on claim severity and frequency. For both analyses, LexisNexis Risk Solutions considered the same sample of 11 million vehicles from model years 2014-2019, and reviewed industry-wide claims loss data for bodily injury, property damage and collision coverages. Additionally, we looked at the interactions between a core list of ADAS features and quantified the claim severity differential across all 648 possible combinations of those features.

Download these previous reports in the Featured Content section below.