Originally Posted By: Audi Junkie
http://en.wikipedia.org/wiki/Automobile_safety
Active and passive safety
The terms "active" and "passive" are simple but important terms in the world of automotive safety. "Active safety" is used to refer to technology assisting in the prevention of a crash and "passive safety" to components of the vehicle (primarily airbags, seatbelts and the physical structure of the vehicle) that help to protect occupants during a crash .[4][5]
Audi Junkie- OK, let's examine your "common sense approach" regarding active vs. passive safety. Let's see if the "superior" active safety provided by cars stack up with the "inferior" active safety features of SUVs. But this time I'm not going to let you dodge the question by claiming you don't understand the numbers since these numbers couldn't be any simpler, and I'd be more than happy to answer any questions you may have. At each point in this post, I've asked: "Do you disagree or need clarification on anything so far? If so, please explain/ask away", and I mean this- ask and I will be more than happy to explain.
There's no abstract theory here- let's just see how your "common sense approach" stacks up in the real world.
1. One way we can examine this is by looking at the frequency of insurance collision coverage claims among different vehicle sizes/types (frequency of claims, not dollar amount of claims).
I found data from the IIHS for 2006-08 vehicles, which does a good job of reflecting current active and passive safety features in cars and SUVs.
If the active safety features of cars prevent them from getting into accidents better than the active safety features of SUVs, then one would expect this to show up in the real world in terms of the frequency of collisions of each vehicle type, and hence the frequency of insurance collision coverage claims of each vehicle type, right? Do you disagree or need clarification on anything so far? If so, please explain/ask away.
2. That is, since SUVs have "inferior active safety" relative to cars, SUVs will get into more collisions than cars because cars will be able to AVOID more collisions, right? This means that SUV drivers should be filing more collision claims than car drivers, who are busy driving their better-braking, better-handling cars instead of doing accident/insurance paperwork. No statistics yet, just a way to see if your claim holds up. Do you disagree or need clarification on anything so far? If so, please explain/ask away.
3. Remember, I already presented some of this for mini vs. midsize cars in an earlier post you dodged:
Originally Posted By: moving2
From the IIHS summary:
8. "
Yet another claim is that minicars are easier to maneuver, so their drivers can avoid crashes in the first place."
...you listening here, Audi Junkie?
"...
Insurance claims experience says otherwise. The frequency of claims filed for crash damage is higher for mini 4-door cars than for midsize ones."
4. Now let's see if this holds up when it comes to all sizes of cars vs. all sizes of SUVs, not just mini car vs. midsize car. Instead of looking at every size within each vehicle class separately, I'll average the results within each vehicle class so that:
a) we can directly compare cars vs. SUVs, averaging across all vehicle size
b) we can account for the wide range of demographics within each vehicle class
We're looking at the latest and greatest in safety since these are 2006-08 models. Do you disagree or need clarification on anything so far? If so, please explain/ask away.
5. Results:
Relative collision claim frequency (claims per 100 insured vehicles per year, averaged across all vehicle sizes within each IIHS-identified class):
2 DOOR CARS: 96.25 / 100
4 DOOR CARS: 108.2 / 100
SPORTS CARS: 95.0 / 100
LUXURY CARS: 106.3 /100
SUVS: 82.75 / 100
LUXURY SUVS: 93.0 / 100
Do you disagree or need clarification on anything so far? If so, please explain/ask away.
6. Now let's further average these numbers into simply "CARS" vs. "SUVs", and we get:
CARS: 101.4375
SUVs: 87.875
Do you disagree or need clarification on anything so far? If so, please explain/ask away.
7. Conclusion: SUVs have, on average, a 13.3% lower frequency of insurance collision coverage claims vs. cars. This does not support your argument that the "superior" active safety features of cars provide a significant advantage in avoiding collisions in the real world vs. SUVs.
Do you disagree or need clarification on anything so far? If so, please explain/ask away.
8. Again, this is pretty basic data here, Audi Junkie- insurance collision claim frequency for different types of vehicles. These numbers should reflect the better active safety features of "nimble, safer, better braking" cars, which avoid more accidents, and hence file less collision claims, than "lumbering, worse braking, rolling death trap" SUVs, right?
But it appears to me that your "common sense approach" just doesn't play out in the real world. Again, please don't feign ignorance. These are simple numbers presented here. If you have questions, just ask, don't run/ignore/dodge. What is your response?
Here's mine: I'm sure your brakes are nice and everything, Audi Junkie, but I prefer life.