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ISO introduces solutions for insuring vehicles with driver assistance features

By Jared Smollik  |  March 25, 2019

Fast cars

ISO has introduced new solutions to help auto insurers underwrite and price coverage for the growing number of cars with advanced driver assistance systems (ADAS).

The new solutions include a manual rule and related rating factors for the ISO Personal Auto Program. The rating factors are based on an in-depth actuarial analysis that included a review of loss data reported through the ISO Personal Auto Statistical Plan.

A key finding of the analysis showed that ADAS features have reduced accident frequency, but the effect is somewhat offset by the expense of repairing vehicles with ADAS technology after an accident.

ISO currently expects collision experience to improve with time as more vehicles with ADAS features hit the road and frequency of accidents continues to drop. Meanwhile, as these features become more common, economies of scale in producing associated sensors and other parts may reduce their cost.

To complement the release of the new rating factor, Verisk also offers VINMASTER® –VINterpret Safety. It provides electronic delivery of ADAS information using a 10-digit vehicle identification number (VIN), helping insurers determine which vehicles have certain ADAS technology as standard or optional features.


Jared Smollik is vice president of personal lines actuarial and analytic products at ISO. You can contact him at Jared.Smollik@verisk.com.