{"id":350563,"date":"2021-11-17T11:13:46","date_gmt":"2021-11-17T16:13:46","guid":{"rendered":"https:\/\/autosphere.ca\/?p=350563"},"modified":"2021-11-17T16:47:59","modified_gmt":"2021-11-17T21:47:59","slug":"ladas-a-un-impact-sur-les-couts-des-sinistres-selon-une-etude","status":"publish","type":"post","link":"https:\/\/autosphere.ca\/fr\/carrosserie\/2021\/11\/17\/ladas-a-un-impact-sur-les-couts-des-sinistres-selon-une-etude\/","title":{"rendered":"L’ADAS a un impact sur les co\u00fbts des sinistres, selon une \u00e9tude"},"content":{"rendered":"

La recherche du livre blanc de LexisNexis Risk Solutions montre comment ces caract\u00e9ristiques influencent \u00e0 la fois les sinistres et les primes.<\/strong><\/p>\n

Dans le secteur de la r\u00e9paration des carrosseries, on s’int\u00e9resse depuis quelque temps \u00e0 la corr\u00e9lation entre les v\u00e9hicules \u00e9quip\u00e9s de syst\u00e8mes avanc\u00e9s d’aide \u00e0 la conduite (ADAS) et les sinistres d’assurance automobile.<\/p>\n

Plus pr\u00e9cis\u00e9ment, comment les co\u00fbts de r\u00e9paration de ces caract\u00e9ristiques influent sur le co\u00fbt r\u00e9el des sinistres. Aux \u00c9tats-Unis, LexisNexis Risk Solutions vient de publier les r\u00e9sultats d’un livre blanc intitul\u00e9 The True Impact of ADAS Features on Insurance Claim Severity Revealed.<\/em><\/p>\n

Ce livre blanc, qui fait partie d’une analyse en deux parties men\u00e9e par LexisNexis Risk Solutions sur la relation entre l’ADAS et la fr\u00e9quence des sinistres, a r\u00e9v\u00e9l\u00e9 que l’adoption des fonctionnalit\u00e9s ADAS a un impact sur les co\u00fbts des sinistres d’assurance.<\/p>\n

R\u00e9duction correspondante<\/strong><\/h2>\n

Sur un v\u00e9hicule utilisant au moins une fonction ADAS essentielle, on constate une r\u00e9duction correspondante du co\u00fbt des pertes.<\/p>\n

L’\u00e9tude a toutefois d\u00e9termin\u00e9 que ces co\u00fbts de perte varieront en fonction de la combinaison sp\u00e9cifique des fonctions ADAS employ\u00e9es et de leurs performances.<\/p>\n

Les r\u00e9sultats du livre blanc ont d\u00e9termin\u00e9 que les caract\u00e9ristiques ADAS entra\u00eenent une :<\/p>\n

    \n
  • R\u00e9duction de 23 % du co\u00fbt des sinistres corporels ;<\/li>\n
  • une r\u00e9duction de 14 % du co\u00fbt des sinistres li\u00e9s aux dommages mat\u00e9riels ; et<\/li>\n
  • R\u00e9duction de 8 % du co\u00fbt des sinistres en carrosserie dans les v\u00e9hicules \u00e9quip\u00e9s d’un syst\u00e8me ADAS par rapport aux v\u00e9hicules non \u00e9quip\u00e9s d’un tel syst\u00e8me.<\/li>\n<\/ul>\n

    En outre, les r\u00e9sultats des deux \u00e9tudes ont r\u00e9v\u00e9l\u00e9 que si la modification de la gravit\u00e9 des sinistres dans les v\u00e9hicules \u00e9quip\u00e9s d’un syst\u00e8me ADAS \u00e9tait minime par rapport \u00e0 ceux qui n’en \u00e9taient pas \u00e9quip\u00e9s, la diminution de la fr\u00e9quence des sinistres \u00e9tait significative.<\/p>\n

    L’\u00e9tude de LexisNexis Risk Solutions a d\u00e9montr\u00e9 qu’une r\u00e9duction globale du co\u00fbt des sinistres par couverture peut se traduire par des remises et des avantages sur les polices bas\u00e9es sur les fonctionnalit\u00e9s ADAS, tant pour les conducteurs que pour les assureurs.<\/p>\n

    Autres facteurs<\/strong><\/h2>\n

    Il y a cependant quelques facteurs importants \u00e0 prendre en compte. L’une d’entre elles consiste \u00e0 analyser l’impact des syst\u00e8mes ADAS sur la gravit\u00e9 des carrosseries.<\/p>\n

    \u00ab Nous trouvons int\u00e9ressant, d’un point de vue actuariel, que toutes les couvertures aient entra\u00een\u00e9 une diminution de la gravit\u00e9 dans les v\u00e9hicules \u00e9quip\u00e9s d’ADAS, \u00bb a d\u00e9clar\u00e9 Gabe Hinton, Senior Data Scientist, Insurance, LexisNexis Risk Solutions.<\/p>\n

    \u00ab Une supposition \u00e9clair\u00e9e est que la diminution de la gravit\u00e9 pour les couvertures de responsabilit\u00e9 peut \u00eatre justifi\u00e9e par l’id\u00e9e que les v\u00e9hicules avec ADAS peuvent entrer en collision avec moins de force, ce qui entra\u00eene moins de dommages \u00e0 un autre v\u00e9hicule (r\u00e9clamation pour dommages mat\u00e9riels) ou de blessures \u00e0 un tiers (r\u00e9clamation pour dommages corporels). \u00bb<\/p>\n

    M. Hinton a \u00e9galement expliqu\u00e9 que \u00ab en contr\u00f4lant les variables d’\u00e9valuation communes, nous avons pu isoler l’impact de l’ADAS. Dans le cas d’un accident de v\u00e9hicules, au sein d’un groupe donn\u00e9 de valeurs de facteurs de contr\u00f4le, il y a tendance \u00e0 y avoir des pourcentages proportionnellement plus faibles de sinistres de haute gravit\u00e9 avec l’ADAS, ce qui se traduit par une gravit\u00e9 globale plus faible. \u00bb<\/p>\n

    Par cons\u00e9quent, LexisNexis Risk Solutions d\u00e9termine que certains v\u00e9hicules \u00e9quip\u00e9s de fonctions ADAS sp\u00e9cifiques ou d’une combinaison de celles-ci, lorsqu’elles sont associ\u00e9es \u00e0 la performance du co\u00fbt des pertes, permettent aux assureurs d’appliquer des r\u00e9ductions de primes appropri\u00e9es \u00e0 la fois aux automobilistes individuels et aux v\u00e9hicules qu’ils conduisent.<\/p>\n

    Et bien que cette \u00e9tude soit bas\u00e9e sur des \u00e9tudes et des analyses du march\u00e9 am\u00e9ricain, \u00e9tant donn\u00e9 que le parc automobile et l’infrastructure du Canada sont tr\u00e8s similaires, bon nombre de ces observations s’appliqueront probablement aussi au nord de la fronti\u00e8re.<\/p>\n","protected":false},"excerpt":{"rendered":"

    La recherche du livre blanc de LexisNexis Risk Solutions montre comment ces caract\u00e9ristiques influencent \u00e0 la fois les sinistres et les primes. Dans le secteur de la r\u00e9paration des carrosseries, on s’int\u00e9resse depuis quelque temps \u00e0 la corr\u00e9lation entre les v\u00e9hicules \u00e9quip\u00e9s de syst\u00e8mes avanc\u00e9s d’aide \u00e0 la conduite (ADAS) et les sinistres d’assurance automobile….<\/p>\n","protected":false},"author":187,"featured_media":350561,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[610,817],"tags":[3030,2532],"class_list":["post-350563","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-carrosserie","category-carrosserie-editorial","tag-adas-fr","tag-rapport"],"acf":[],"yoast_head":"\nL'ADAS a un impact sur les co\u00fbts des sinistres, selon une \u00e9tude - Autosphere<\/title>\n<meta name=\"description\" content=\"La recherche du livre blanc de LexisNexis Risk Solutions montre comment ces caract\u00e9ristiques influencent \u00e0 la fois 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