Noncrash Fire Losses - IIHS-HLDI

Insurance ReportNoncrash fire lossesPrepared by HLDI for NHTSATheft — Auto /Moto combinedPD — AutoBI — AutoMed Pay — AutoPD, BI, Med Pay — Moto2010-12 Passenger Cars,Pickups, SUVs, and VansSeptember 2013PIP — Auto onlyThis Highway Loss Data Institute reportpresentsfirecomprehensivenoncrash fireNon-crash— Auto onlylosses for passenger vehicles produced in model years 2010-12. Noncrash firelosses represent fire damage to a vehicle not caused by a collision or vandalism.Results in this report are based on nearly 46 million insured vehicle years and morethan 5,600 claims.Special — Auto /MotoSpecs

2013 Board of DirectorsChairmanMichael D. Doerfler, Progressive CorporationVice ChairmanJohn Xu, CSAA Insurance GroupPrior ChairmanJames Nutting, Farmers Insurance Group of CompaniesPeter Attanasio, Chubb & SonDavid Backs, Kemper PreferredChad Covelli, American Family Insurance GroupMartin Deede, MetLife Auto and HomeBehram Dinshaw, The Travelers CompaniesJudith M. Feldmeier, Auto Club GroupPeter R. Foley, American Insurance AssociationAlice H. Gannon, USAAJames Gillette, American National Property and Casualty CompaniesDonald L. Griffin, Property Casualty Insurers Association of AmericaKeith Holler, Erie Insurance GroupThomas G. Myers, Plymouth Rock AssuranceHarry Todd Pearce, GEICO CorporationMike Petrarca, Amica Mutual Insurance CompanyThomas O. Rau, NationwideBill Reddington, Kentucky Farm Bureau Mutual Insurance CompaniesAlan Schlosberg, Liberty Mutual Insurance CompanyLaurette Stiles, State Farm Insurance CompaniesRandy Termeer, The HartfordFloyd M. Yager, Allstate Insurance GroupAdrian K. Lund, Highway Loss Data InstituteThe membership of the Highway Loss Data Institute Board of Directors represents insurance companies that supply datato HLDI. Financial support for HLDI is provided through the Insurance Institute for Highway Safety, which in turn is supported by automobile insurers.

ContentsIntroduction 1Table 1: Highest relative fire claim frequencies, 2010-12 models 2Table 2: Insurance fire losses, 2010-12 models 3

Companies Supplying DataThis report is based on comprehensive coverage and loss data supplied by the following insurers:21st CenturyAllstate Insurance GroupAlfa AllianceAmerican Family Insurance GroupAmerican National Family of CompaniesAmica Mutual Insurance CompanyAuto Club GroupAutomobile Insurers Bureau of MassachusettsChubb & SonCOUNTRY FinancialCSAA Insurance GroupErie Insurance GroupFarm Bureau Financial ServicesFarmers Insurance Group of CompaniesGEICO CorporationGMAC Personal Lines InsuranceThe HartfordHigh PointKemper PreferredKentucky Farm Bureau Mutual Insurance CompaniesLiberty Mutual Insurance CompanyMetLife Auto and HomeNationwideNew Jersey ManufacturersPEMCO InsuranceProgressive CorporationRockingham GroupSafeco InsuranceState FarmTennessee Farmers Mutual Insurance CompanyThe Travelers CompaniesUSAACOPYRIGHTED DOCUMENT, DISTRIBUTION RESTRICTED 2013 by the Highway Loss Data Institute. All rights reserved. Distribution of this report is restricted. No part of this publication may be reproduced, or storedin a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior writtenpermission of the copyright owner. Possession of this publication does not confer the right to print, reprint, publish, copy, sell, file, or use this report in anymanner without the written permission of the copyright owner.

IntroductionThis Highway Loss Data Institute report presents comprehensive noncrash fire losses for passenger vehicles producedin model years 2010-12. Noncrash fire losses represent fire damage to a vehicle not caused by a collision or vandalism.Results in this report are based on nearly 46 million insured vehicle years and more than 5,600 claims. The 10 passenger cars, SUVs and pickups with the worst (highest) fire claim frequencies are presented in Table 1. The Nissan370Z two-door had the highest relative claim frequency (463) followed by the Dodge Charger HEMI (373) and theFord F-250 supercab 4WD (370).Results for all 2010-12 vehicles are included in the overall totals and in the separate totals for class and size subgroupsin Table 2. The results in Table 2 are presented in descending order of relative claim frequency within each size class.For an individual vehicle series to appear, the vehicle had to have at least 20,000 insured vehicle years or 100 claims.Coverage results in this report have been standardized for driver age and deductible. To provide information on asmany vehicle series as possible, noncrash fire comprehensive data for model years 2010-12 are combined in this reportfor those vehicles with basic designs that remained unchanged. Some individual series also are grouped into combined series when these vehicles are similar except for a different engine. These combinations are listed in Appendix A.In this report claim frequency is defined as the number of claims for a group of vehicles divided by the exposurefor that group and is expressed as claims per 1,000 vehicle years. The average loss payment per claim, or severity, isdefined as the total of all loss payments made for the claims for a group of vehicles divided by the number of claimspaid. The average loss payment per insured vehicle year, or overall loss, is defined as the product of claim frequencyand average loss payment per claim for a group of vehicles and is expressed as dollars per insured vehicle year.Results in this report are presented in relative terms where 100 corresponds to the average result for all passengervehicles. Using relative values makes it easier to determine if a result is better or worse than average and by howmuch. Relative results are computed by dividing the vehicle series result by the all-passenger-vehicle result and thenmultiplying by 100.The all-passenger-vehicle results for this report are: 2010-12 model year all-passenger-vehicle claim frequency 0.1 per 1,000 insured vehicle years 2010-12 model year all-passenger-vehicle claim severity 16,469 2010-12 model year all-passenger-vehicle overall loss 2The all-passenger-vehicle claim frequency is extremely low at 0.1 claims per 1,000 insured vehicle years. For every8,142 insured vehicle years, only one noncrash fire claim is made.Examples of relative results: 2012 model year Toyota Camry 4dr relative claim frequency 612012 model year Toyota Camry 4dr claim frequency 0.1 x (61/100) 0.061 2012 model year Honda Civic 4dr relative claim severity 702012 model year Honda Civic 4dr claim severity 16,469 x (70/100) 11,528 2010-12 model year Ford Expedition relative overall loss 1802010-12 model year Ford Expedition overall loss 2 x (180/100) 3.601

Table 1: Highest relative fire claim frequencies, 2010-12 modelsModelyearsMakeClass and sizeTotal exposure(insured vehicle years)Relative claim frequency*Passenger carsNissan 370Z 2dr10-12Midsize sports car22,404463Dodge Charger HEMI11-12Large 4-door car20,839373Chevrolet Sonic12Small 4-door car33,150252Hyundai Veloster12Small 2-door car26,755240Volvo S60 4dr12Midsize luxury car29,237222Nissan Quest11-12Very large station wagon / minivan21,219218Volkswagen Routan10-12Very large station wagon / minivan48,954215Ford Mustang GT 2dr10-12Midsize sports car94,497206Dodge Avenger10-12Midsize 4-door car136,275201Hyundai Accent12Mini station wagon27,580199SUVsJeep Wrangler 4WD10-12Midsize SUV263,138271Jeep Wrangler 2dr 4WD10-12Small SUV178,128234Mitsubishi Outlander 4WD10-12Small SUV23,370216Ford Flex 4WD10-12Midsize SUV33,468210Mitsubishi Outlander10-12Small SUV23,141198Dodge Journey10-12Midsize SUV154,965196Cadillac Escalade 4WD10-12Large luxury SUV29,877187Dodge Durango11-12Large SUV27,707179Dodge Journey 4WD10-12Midsize SUV37,591171Toyota FJ Cruiser 4WD10-12Midsize SUV56,528163Ford F-250 supercab 4WD10-12Very large pickup26,818370Dodge Ram 1500 crew cab10-12Large pickup77,764282Ford F-15010-12Large pickup43,199279PickupsChevrolet Silverado 150010-12Large pickup52,169255GMC Sierra 1500 ext.10-12Large pickup28,557234Dodge Ram 1500 crew cab 4WD10-12Large pickup135,399233Ford F-250 crew 4WD10-12Very large pickup136,588229Chevrolet Silverado 1500 crew10-12Large pickup150,241228Ford F-350 crew 4WD10-12Very large pickupFord F-150 supercab10-12Large pickup*100 all-passenger-vehicle result2 HLDI Fire Report : April 201377,188227103,662225

Table 2: Insurance fire losses, 2010-12 modelsMakeSeriesModelyearsExposure(insured vehicleyears)ClaimsRelative claimfrequencyRelative claimseverityRelativeoveralllossesAll Passenger Vehicles10-1245,938,6205,642100 0.1100 16,469100 2All passenger carsMICRO CARS10-1226,254,1803,0669489842-door models10-1216,1993óóó4-door models10-124190óóó10-12327,02737919889Mini cars2-door modelsMiniCooper 79116710973Fiat5001231,442515474114MiniCooper Clubman4-door tion 10-1226,067410913815110-12534,722781206882CR-Z 31HondaCivic1249,3843597142Sports modelsMazdaSMALL CARSMX-5 Miata convertible2-door HyundaiVeloster4-door taPrius C sight genGTI10-1235,6854934744ToyotaPrius 054NissanVersa 927367HyundaiElantra11-12264,72227907769HLDI Fire Report : April 2013 3

Table 2: Insurance fire losses, 2010-12 modelsMakeSeriesModelyearsExposure(insured vehicleyears)ClaimsRelative claimfrequencyRelative r10-1265,8071415172109NissanJuke 8146SubaruImpreza WRX 4WDStation wagonsMazda3 Mazdaspeed 4WDToyotaPrius V 0-1290,21411984544SubaruImpreza xD10-1248,9676965856SubaruImpreza WRX 81276987SuzukiSX4 4WD10-1224,37039010494Sports modelsMIDSIZE CARS10-1241,96241142392732-door esis10-1273,22591009899VolkswagenEos 673704-door modelsToyotaCamry gacy 4WDFordFusion 1086165NissanAltima10-12771,600959966664 HLDI Fire Report : April 2013

Table 2: Insurance fire losses, 2010-12 modelsExposure(insured ata hybrid11-1223,53021297393ClaimsRelative claimfrequencyRelative 10-12129,3612012190109FordFusion tima11-12155,5572513596129VolkswagenPassat 8716981136NissanMaximaStation 74928SubaruOutback 4WD10-12459,67534649057Mazda5Sports modelsFordMustang 42,227221166778FordMustang convertible10-1242,284713888121FordMustang GT 2dr10-1294,49723206117241ChevroletCorvette 2dr10-1228,3466150256384Nissan370Z uxury modelsLexusIS 250 convertible10-1228,61812562LexusCT 200H hybrid 4dr11-1227,27425742LexusHS 250 hybrid 4dr10-1240,421118142AudiA5 2dr 4WD10-1234,52325353InfinitiG37 2dr10-1220,84241751933LincolnMKZ 4dr10-1276,8465459945AudiA4 4dr 4WD10-1290,4896558546LexusIS 250 4dr10-1262,54833215249InfinitiG37 4dr10-1259,67433812950LincolnMKZ 4dr 4WD10-1228,8992549854Mercedes-BenzC class 4dr10-12127,71114806854AcuraTL 4dr 4WD10-1238,04223719471Mercedes-BenzC class 4dr 4WD10-12117,63585614582InfinitiG37 4dr 4WD10-1271,61855117489AcuraTL 4dr10-12113,439101217692LexusES 350 4dr10-12200,280124421795BMW1 series 2dr10-1223,48331069399LexusIS 250 4dr 4WD10-1236,345480127102AudiA4 4dr10-1233,220381140113BMW3 series 2dr 4WD10-1223,501387173149BMW3 series convertible10-1251,9345112134150HLDI Fire Report : April 2013 5