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New Technologies Could Reduce Car Insurance Premiums

A combination of new driving technologies could help to both dramatically cut the cost of car insurance and also save lives at the same time.

Recent advances in security technology have made the theft element of a car insurance policy for a new car virtually irrelevant as the number of car thefts per year plummets.

With the introduction of new anti crash and driver alert technologies being developed by most car manufacturers, crashes and damage to other vehicles could soon become a thing of the past and in theory, less claims means lower premiums.

Japanese car manufacturer Toyota is leading the way…

Cars that stop or slow down automatically before another car, object or person in anticipating a crash are not new. But Toyota’s latest pre-collision technology adds a steering-control feature.

In the new system, Toyota uses cameras and a super sensitive radar called “millimeter-wave,” both installed in the front of the vehicle, to detect possible crashes such as a pedestrian crossing the road.

The vehicle calculates how braking and steering must be applied to avoid a crash, said chief safety technology officer Moritaka Yoshida.

“We must learn from accidents and keep making improvements in safety features,” he said.

The Japanese automaker declined to say when the feature may be offered on a commercial model, or in which markets, but officials hinted it was ready to be offered soon.

Toyota said it was aiming for zero fatalities and injuries, although it did not say when that goal would be achieved.

Fatalities have been declining in car accidents, because of better safety features, but deaths among pedestrians in traffic accidents have not gone down in Japan.

Protecting pedestrians is increasingly key, according to Toyota, which makes the Prius hybrid and Lexus luxury models.

Toyota showed what is called a pop-up hood, which rises slightly in a crash, to mitigate the impact of a pedestrian getting hit by a car, similar to features offered by European makers.

It also showed how parts of the rays from high-beam headlights could be blocked so that drivers could still see clearly what was ahead while headlights would appear to be on low beam to the driver in a car coming from the other direction.

Toyota also showed a steering wheel in development that measures the heartbeat of the driver to prevent crashes that can happen when drivers suffer heart attacks or strokes.

In computer networks they have had for years, a protocol called a PCADM packet collision avoidance and detection mechanism that effectively separates the data in an orderly linear fashion, making it impossible to get jumbled up or bottleneck.
Car Insurance Blog has seen the future!
Imagine ‘driving’ up the motorway in an electric computer controlled car. Each car is fitted with the collision avoidance and detection mechanism and is limited in speed to the safe area of space in front of it. Steering is controlled by onboard video, computer and the Car collision avoidance and detection mechanism. Oy yeah and you are automatically routed to your destination avoiding the traffic jams…and car insurance is an old concept!
Whatever happened to real motoring.

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