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Impact of ADAS on insurance and injury rates

| Jul 27, 2020 | Car Accidents |

All drivers in Florida are required to maintain a certain amount of auto insurance, but the amount a driver must pay for insurance can vary significantly. Cars that are more costly to repair will be more expensive to insure. These cars may include rare vehicles that have hard-to-find part replacements and cars that are equipped with advanced driver-assistance systems, or ADAS.

ADAS technology includes systems that rely on artificial intelligence technology and whose goal is to reduce the occurrence of accidents. These systems include rear-view cameras and collision warnings, among other features. ADAS systems are not perfect and can potentially cause problems when they improperly perceive an accident risk, but they have nonetheless been found to play a significant role in reducing the risk of accidents resulting in personal injury or property damage.

One study indicates that that ADAS technology reduces the risk of car accidents by approximately 3.5%. Other research shows that even when accidents do occur, they are 27% less likely to result in bodily injury claims and 19% less likely to result in property damage.

Though ADAS features appear to be a positive development in the field of automobile safety, insurance companies appear reluctant to rely on this data. Though the decreased risk of accidents and serious accidents should make insurance less expensive, accidents that do occur involving ADAS can cost a significant amount to insurance companies, which can make insurance more expensive. According to some, repair bills for cars with ADAS can actually be twice as much as those for cars without this technology.

Though many new vehicles have some ADAS features included, the increased cost of repairs and car insurance could be a deterrent for drivers to add more ADAS features to their vehicles. Regardless of whether a car has ADAS, a driver can still be responsible for causing an accident. Victims of car accidents may want to consult with a personal injury attorney about their options for pursuing compensation.

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