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Norfolk, VA August 25, 2008

Coast Guard Motorcycle Safety Summit. Norfolk, VA August 25, 2008. Mission.

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Norfolk, VA August 25, 2008

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  1. Coast Guard Motorcycle Safety Summit Norfolk, VA August 25, 2008

  2. Mission The Insurance Institute for Highway Safetyis an independent, nonprofit, scientific and educational organization dedicated to reducing the losses — deaths, injuries, and property damage — from crashes on the nation's highways. founded in 1959 The Highway Loss Data Instituteshares and supports this mission through scientific studies of insurance data representing the human and economic losses resulting from the ownership and operation of different types of vehicles and by publishing insurance loss results by vehicle make and model. founded in 1972

  3. The Big Picture

  4. HLDI Motorcycles

  5. Motorcycle registrationsFHWA, 1975-2006

  6. Motorcyclist deaths By calendar year, 1975-2006

  7. Motorcyclist deaths By age, 1975-2006 ≤ 29 years old 30-39 years old 40-49 years old 50+ years old

  8. States with universal helmet laws 1976: Highway Safety Act removed authority to withhold funds from states without helmet laws 1995: Grants removed 1991: Incentive grants for helmet and safety belt laws 1967: Helmet laws required for states to qualify for federal highway funds

  9. Motorcycle classes

  10. off road Light weight, small engines and knobby tires Rugged, simple construction without body work and fairings Not street legal; recreational or competitive use only dual purpose Similar to off road but street legal Larger engines than off road Greater suspension travel Off road and dual purpose motorcycles

  11. standard Sport class mechanicals without body paneling and fairings Typically lower power-to-weight ratio than sport Many riders begin in this class cruiser Classic styling of early American motorcycles Riding position allows long distance comfort Low slung design limits performance and turning Standard and cruiser motorcycles

  12. touring Heaviest class Long distance accessories and convenience options Larger engines with higher torque than most cruisers scooter Small engines, small wheels, and automatic transmissions Step through configuration Most are not capable of highway speeds Touring and scooter motorcycles

  13. sport Extensive body paneling and fairings Lower power-to-weight ratio than supersport Forward riding position but allows long distance comfort supersport Consumer version of factory race motorcycles Highest power-to-weight ratio Aggressive riding position not intended for long distances Sport and supersport motorcycles

  14. unclad sport Sport class mechanicals without body paneling and fairings Good power-to-weight ratio, but typically less than sport More user friendly ergonomics than most sport motorcycles chopper Closely related to cruiser, but has longer wheelbase Worse handling than cruiser due to extended front fork Incorporates fewer/lighter body parts, a single seat and a wider rear tire Un-clad sport motorcycles

  15. 2000 2005 Motorcycle driver deaths per 10,000 registered motorcyclesBy motorcycle type, 2000 and 2005 30 sport and unclad sport supersport touring cruiser and standard

  16. touring cruiser/standard sport/unclad sport supersport Characteristics of fatally injured motorcycle driversBy motorcycle type, 2005 80% 60% 40% 20% helmeted speeding driver error BAC ≥0.08 < 30 years old

  17. Highway Loss Data Institute

  18. Companies that supply data to HLDIRepresent 80% of private passenger market • Kentucky Farm Bureau • Liberty Mutual • Mass. AIB • Met Life Auto & Home • Nationwide • Pemco • Progressive • Safeco • State Farm • The Hartford • Tennessee Farmers • Travelers • Unitrin • USAA • AIG Agency • Allstate • American Family • American National Property and Casualty • Auto Club Group • Cal. State Auto • Chubb • Country • Erie • Farmers • Foremost • GEICO • GMAC • Highpoint

  19. Size of HLDI passenger vehicle databaseNumber of unique VINs in files, June 2008 1999 15,490,554 2000 16,248,011 2001 15,167,745 2002 15,245,366 2003 14,486,817 2004 14,068,913 2005 13,398,093 2006 12,002,445 2007 10,671,044 2008 4,620,917 2009103,122 total 131,503,027 model year number of vehicles

  20. Coverages reported to HLDIPrivate Passenger Auto • Collision • Comprehensive • Personal injury protection • Medical payments • Physical damage liability • Bodily injury liability

  21. Relative collision claim frequenciesBy motorcycle class, 2003-07 models all-motorcycle result = 3.0 scooter cruiser chopper touring dual purpose standard unclad sport sport supersport

  22. Relative collision claim severitiesBy motorcycle class, 2003-07 models all-motorcycle result = $5,717 scooter cruiser chopper touring dual purpose standard unclad sport sport supersport

  23. Relative collision overall lossesBy motorcycle class, 2003-07 models all-motorcycle result = $172 scooter cruiser chopper touring dual purpose standard unclad sport sport supersport

  24. Highest overall losses 2003-07 motorcycles all-motorcycle result = $172

  25. 2007 Suzuki GSX-R1000Model with highest overall losses “Own The Racetrack” “To the team of Suzuki engineers responsible for the GSX-R1000, Own The Race Track is not just a slogan, it is a way of life.” “Accelerate. Brake. Corner. Repeat. Make it easier for the rider, and the results will show. With better lap times on the racetrack, and more fun on the road.”

  26. 2006 Kawasaki Ninja ZX-10R MSRP $11,199

  27. 2006 Kawasaki Ninja ZX-10R “We’re no longer in the business of building sportbikes that make good street bikes,” flatly stated Karl Edmondson, sportbike product manager for Kawasaki Motors Corp. USA. Instead, the one and only goal of the 2006 ZX-10R is to get around a race track as fast as possible. Period, end of mission statement from the American Motorcycle Association website

  28. supersport non-supersport Collision exposure distribution Supersport vs. all others, by rated driver age, 2003-07 models < 21 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 ≥ 66 driver age

  29. scooter cruiser chopper touring dual purpose standard unclad sport sport supersport Collision claim frequencies By motorcycle class and rated driver age, 2003-07 models < 21 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 61-65 ≥ 66 driver age

  30. Motorcycle property damage liability

  31. 100 = 3.7 claims per 1,000 insured vehicle years scooter cruiser touring dual purpose standard unclad sport sport supersport Relative property damage liability claim frequenciesBy motorcycle class, 2002-06 models

  32. 100 = $2,670 per claim scooter cruiser touring dual purpose standard unclad sport sport supersport Relative property damage liability average loss payment per claimBy motorcycle class, 2002-06 models

  33. 100 = $10 per insured vehicle year scooter cruiser touring dual purpose standard unclad sport sport supersport Relative property damage liability average loss payment per insured vehicle yearBy motorcycle class, 2002-06 models

  34. Motorcycle property damage liability claim frequenciesBy rated driver age group, 2002-06 models

  35. Motorcycle bodily injury liability

  36. 100 = 3.2 claims per 1,000 insured vehicle years scooter cruiser touring dual purpose unclad sport sport supersport Relative bodily injury liability claim frequencies By motorcycle class, 2002-06 models

  37. 100 = $19,120 per claim scooter cruiser touring dual purpose unclad sport sport supersport Relative bodily injury liability average loss payment per claim By motorcycle class, 2002-06 models

  38. 100 = $61 per insured vehicle year scooter cruiser touring dual purpose unclad sport sport supersport Relative bodily injury liability average loss payment per insured vehicle year By motorcycle class, 2002-06 models

  39. Motorcycle bodily injury liability claim frequenciesBy rated driver age group, 2002-06 models

  40. Motorcycle medical payments

  41. 100 = 17.4 claims per 1,000 insured vehicle years all others cruiser touring sport/ unclad sport supersport Relative medical payments claim frequencies By motorcycle class, 2002-06 models

  42. 100 = $2,199 per claim all others cruiser touring sport/ unclad sport supersport Relative medical payments average loss payment per claim By motorcycle class, 2002-06 models

  43. 100 = $38 per insured vehicle year all others cruiser touring sport/ unclad sport supersport Relative medical payments average loss payment per insured vehicle year By motorcycle class, 2002-06 models

  44. Motorcycle medical payments claim frequenciesBy rated driver age group, 2002-06 models

  45. Comprehensive losses for motorcycles

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