When an automobile has a higher than average amount of personal injury claims, the car makes the list published by the National Highway Loss Data Institute. These statistics are considered when an insurance company assigns premiums and insurance rates. On the other end, these results are used by car manufacturers to improve the safety of future built automobiles. The following list reflects recent data reported by the NHLD.
The Mitsubishi Mirage was introduced in the year 2014. The “minicar” is a very small model and is sold at a bargain price. Though the Mitsubishi Mirage tested as “average” in a crash test, it comes in at a huge 113% higher than the average personal injury claim.
The Dodge Avenger is a mid-sized four-door car produced between 2008 and 2014. The Dodge Avenger earned an IIHS top safety pick in the years 2012 and 2014. In the year 2013, the Avenger earned the Top Safety Pick Award. Surprisingly, the Avenger comes in at number two on our list with an 84% higher than average personal injury claim.
The very popular Japanese Nissan Versa is a small four door car that has a starting price of less than $12,000. The Nissan Versa has a 109 horsepower engine and it brags a 40 miles per gallon highway rating. In four crash tests conducted by the IIHS, the Nissan Versa ranked “good”. However, the Nissan Versa carries a 78% higher than average personal injury claim.
Nissan Versa Note
The small station wagon/minivan version of the Nissan Versa is the hatchback version of the popular vehicle. The stylish version commands a higher price tag and supports a sportier look. Unfortunately, the Nissan Versa Note does not fare better for the average personal injury claims. Both vehicles are 78% higher than average.
The 2013 Kia Forte carries some impressive upgrades from the 2012 model. The small four door car comes loaded with Bluetooth, steering wheel controls, and a built-in backup camera. The 2015 Kia Forte improved its overall IIHS crash tests, but the Forte has a 76% higher than average personal injury claim.
The results of the National Highway Loss Data Institute reports are intended to educate the public on the safety they can expect from particular vehicle models. The results allow insurance companies to make the decisions that affect premiums and monthly rates. These results and the results of manufacturers tests, IIHS tests, and other tests are simply tools provided to us to allow us to make an informed decision when purchasing a new automobile. It is fair to note that the majority of the cars that have higher than average claims are small sized vehicles. It is not surprising that these small cars rate higher in claims than mid-sized or full-sized vehicles. This is considered a worthwhile risk by drivers who are concerned with efficiency and the carbon footprint they leave on the planet. It is a personal choice that only the car owner can make.