Motivation

According to the Association of German Insurers (GDV) the German motor insurers spent approximately 20.6 billion euros for motor third party liability (MTPL), full and partial comprehensive insurances in the year of 2014. 13 billion euros of this amount is only on the MTPL insurance. Target of many advanced driver assistance systems (ADAS) is to assist the driver in managing critical traffic situations and to contribute to averting or mitigating occurring personal injury and property damage. A decisive proportion of these systems is not yet offered in certain categories of vehicles in series, because the customer is not willing to pay the necessary fee. A possible purchase incentive could be to consider the additional expenditure in the insurance premium. To determine the amount of discount in the insurance rate the effectiveness of the assistance and safety system must be known before it is available on the market.

Goal

Within this project a method is to be developed that can be used as a reliable computation base for innovative insurance rates on the basis of an international damage database. The project’s goal is to be able to make statements on the prospective field effectiveness of driver assistance systems, with a focus on systems that are not yet represented on the market.

Approach

• Establishment of an international damage database for detailed analysis of the sequence and course of the accident
• Analysis of accident data for the identification of major accident types and relevant parameters
• Development of a method to prospectively determine the effectiveness of different kinds of ADAS within specific accident scenarios
• Retrospective analysis and simulation for verification