From the rear loading to the front loading insurance "forced" car safety technology upgrade

For a long time in the past, auto insurance has been considered as an important part of the automotive aftermarket. When it comes to auto insurance, many people will consciously think of after-sales service. However, the release of the "China Insurance Automobile Safety Index Test Evaluation Procedures" has officially broken this situation, allowing auto insurance to gradually infiltrate into the front load from the aftermarket and become an integral part of the automotive industry chain.

On July 20, under the guidance of the China Insurance Association, the "Safety Index" management center jointly established by China National Automobile Research Institute and China Insurance Research Institute officially released the "China Insurance Automobile Safety Index Testing and Evaluation Regulations" in Chongqing. This evaluation procedure is mainly aimed at the four major scoring items in China's insurance automobile safety index system released in April – crashworthiness and maintenance economy, vehicle occupant safety, pedestrian safety outside the vehicle, and vehicle auxiliary safety. Each test project will establish specific test procedures and evaluation procedures to provide "unity scale" for follow-up work.

In terms of crashworthiness and maintenance economy, it is understood that the total score is 30 points, the crashworthiness area is rated at 6 points, and the maintenance economic area is rated at 24 points. After the selected models are tested according to the test procedures, they can be comprehensively evaluated. The scores are high and low, and they are divided into four grades: excellent, good, average, and poor. It is particularly worth mentioning that if the airbag detonates during the collision, the rating will be directly "bad". Because this test refers to the test methods and evaluation procedures adopted by the foreign automobile technology research institutions in the insurance industry, a real vehicle collision study is conducted and the vehicle speed is only 15km/h. If the airbag is still detonated at this speed, the vehicle safety Sex is indeed worrying.

The evaluation of the vehicle occupant safety index is based on a combination of domestic insurance claims and research conducted by foreign automobile technology research institutions in the insurance industry. It conducts actual vehicle tests for the most serious injuries and the most outstanding claims risk in the case of insurance claims. Frontal 25% small offset collision, side impact, roof strength, whiplash injury four typical conditions. Each of the four tests here will be evaluated and scored separately, and then based on the final score, it will provide data support for the insurance rate determination of similar models in the later period.

The score of the pedestrian safety index outside the vehicle is also 30 points. The inspection index is mainly the degree of injury to the legs such as the thighs, calves, and head. The leg type test scores out of 6 points and the head test scores out of 24 points. Then they follow their respective test procedures. Carry out a real-vehicle test and judge four grades of excellent, good, average, and poor. The reason why these two indicators were selected is based on the understanding that the mixed traffic of people and vehicles in road traffic in China is very common and the conditions of road conditions are relatively complex. In addition, people’s awareness of road traffic regulations is not strong, resulting in high traffic accidents involving pedestrians. The main injuries in pedestrian accidents are human calf injuries, thigh injuries, and head injuries. This type of injury, especially leg injuries, often leads to inconvenient operations and a large amount of treatment from the perspective of insurance. Care costs

In comparison, due to the fact that vehicle assistive technology has not yet been applied on a large scale, the safety index score is relatively small, with only 6 points. At present, there are only two test items, one for FCW (frontal collision warning) and 5 for AEB (automatic emergency braking). However, in the later period, in combination with the general trend of the development of automobile safety technology, more inspection items will be added to promote the advancement of automobile safety technology. Ultimately, the safety and safety standards for vehicles and road users will be protected through the prevention and reduction of driving risks. The reduction.

It is understood that prior to the official release of this test evaluation protocol, the China Association of Insurance Association Industry Association, China Automotive Engineering Research Institute and so on have actually carried out a three-year system research, drawing on the experience of a large number of foreign mature, to develop in line with China's national conditions Index system. In this process, they set up two joint test bases in Chongqing and Beijing, and a “safety index” management center. They tested nearly 20 models of mainstream passenger cars, covering joint ventures, independent brands, and accumulating a large number of Research data and evaluation experience, combined with insurance claims data, finally completed the top-level framework and system design of China's insurance automobile safety index.

It can be said that the release of the test evaluation system is a major leap forward in auto insurance from the post-installation market. It will not only help insurance companies formulate more reasonable claims and differentiated rate determination mechanisms, but also guide the healthy development of the auto insurance industry. By directly affecting the "money bag" of consumers, we have forced the upstream car companies to raise the level of car safety technology.

In addition to issuing regulations, the "Security Index" research team also made reference to the US IIHS side impact test specification for the first time to publicly display the "inside-vehicle occupant safety index" evaluation item - side impact. This is another important public evaluation test after the April 6, 2017 “Safety Index” research team publicly demonstrated a small offset (refer to the US 2HS positive 25% offset collision test specification) test project for the first time. According to the “safety index” research team, the Chinese market is far lower than the international level in terms of body structure, side airbags, and head air curtain deployment rates. Without these excellent designs and safety configurations, the impact side itself will The energy space is relatively small, and the front and rear occupants are very vulnerable to the threat of survival space and injuries to the head and chest, which in turn cause major casualties. Therefore, from the perspective of insurance or consumer safety, it is necessary to carry out similar tests.

In the future, the research team stated that on the one hand, it will continue to combine the trend of China's auto consumption market and further improve the test evaluation procedures so that it can better meet the needs of the auto insurance market. On the other hand, adhering to the principle of “Mature one and apply one”, it continues to carry out vehicle model tests. Based on the sales volume, vehicle ownership, risk frequency, and new vehicle model priority selection criteria for vehicles that have been on the market within the past two years, it will take into account the A-grade. Under the premise of different models of vehicles, B-class vehicles and SUVs, relevant models are selected for testing, and the configuration is mainly based on safety configuration, but other configuration tests can also be performed. This step by step, in order to strive to cover more models to guide consumer and auto insurance rates pricing reference. For those models with poor scores, combined with the safety issues exposed by the tests, it can be used to guide auto manufacturers to optimize and improve the safety performance of the vehicles, so as to continue to promote the car companies to continuously optimize the level of vehicle safety, and then promote the entire automotive industry to upgrade.