New Vehicle Technology Could Prevent Low-Speed Crashes

A Highway Loss Data Institute study released this week found that new vehicle technology may provide a solution for low-speed crashes. Drivers who frequently commute in environments known for bumper-to-bumper traffic finally have access to technology that could prevent rear-end collisions.

Collision Avoidance Technology Could Prevent Crashes

The auto insurance industry-funded study found that the 2010 Volvo XC60 outfitted with City Safety, a collision avoidance feature, is less likely to be involved in a low-speed, front-to-rear crash than other mid-sized SUVs without the system.

In fact, there were 27 percent fewer auto insurance claims reported for the XC60 than comparable vehicles while specific bodily injury claims were 51 percent less frequent.

The technology works by automatically braking to avoid a front-to-rear crash when traveling at speeds of about 2 mph to 19 mph. It uses an infrared laser sensor built into the windshield to monitor the area in front of the vehicle.

While Volvo and other automakers have used safety systems meant to prevent collisions at high speeds for years, none have addressed more common crashes at speeds of less than 20 miles per hour. City Safety, which is the first to address this issue, is now standard on 2011-12 Volvo S60 sedans, 2012 S80 sedans and XC70 wagons.

Collision Insurance Is Still Important

While the new technology provides a much-needed safety feature for the road, most drivers will not have access to it simply because they won’t be purchasing the vehicle and model that comes equipped with it.

This means, the need for collision insurance is still great. If you can’t avoid an accident, you will likely need financial assistance to pay for damages.

Of course, drivers able to take advantage of the safety feature should also get their hands on collision insurance to ensure they’re covered in high-speed crashes–or low-speed crashes that the feature isn’t able to prevent one.

If you currently don’t have this coverage, now’s the time to begin shopping around to see what’s out there. The cost of insurance can feel a bit steep when it’s not mandatory, but nothing is steeper than the cost of accident damage that is paid for completely out of pocket.