Noncrash fire losses. Insurance Report. Prepared by HLDI for NHTSA Passenger Cars, Pickups, SUVs, and Vans.

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Highway Loss Data Institute Insurance Report Noncrash fire Prepared by HLDI for NHTSA 2012 14 Passenger Cars, Pickups, SUVs, and Vans September 2015 This Highway Loss Data Institute report presents

1 Highway Loss Data Institute Insurance Report Noncrash fire Prepared by HLDI for NHTSA Passenger Cars, Pickups, SUVs, and Vans September 2015 This Highway Loss Data Institute report presents comprehensive noncrash fire for passenger vehicles produced in model Noncrash fire represent fire damage to a vehicle not caused by a collision or vandalism. Results in this report are based on nearly 57 million insured vehicle and almost 6,900 claims.

2 2015 Board of Directors Chairman John Xu, CSAA Insurance Group Vice Chairman Thomas O. Rau, Nationwide Insurance Isaac Adams, The Hartford Michael D. Doerfler, Progressive Corporation Peter R. Foley, American Insurance Association James Gillette, American National Property and Casualty Companies Donald L. Griffin, Property Casualty Insurers Association of America Ty Harris, Liberty Mutual Insurance Company Richard Lonardo, MetLife Thomas G. Myers, Plymouth Rock Assurance Hiep Nguyen, USAA James Nutting, Farmers Insurance Group of Companies Harry Todd Pearce, GEICO Corporation Mike Petrarca, Amica Mutual Insurance Company Anthony E. Ptasznik, Auto Club Group Bill Reddington, Kentucky Farm Bureau Mutual Insurance Company Ioan Seceleanu, Kemper Preferred Laurette Stiles, State Farm Insurance Companies Hui Wang, Chubb & Son Andrew Woods, The Travelers Companies Floyd M. Yager, Allstate Insurance Group Adrian K. Lund, Highway Loss Data Institute The membership of the Highway Loss Data Institute Board of Directors represents insurance companies that supply data to HLDI. Financial support for HLDI is provided through the Insurance Institute for Highway Safety, which in turn is supported by automobile insurers.

3 Contents Introduction... 1 Table 1: Highest relative fire claim frequencies, models... 2 Table 2: Insurance fire, models... 3 Appendix A: Individual series comprising combined series... 12

4 Companies Supplying Data This report is based on loss data supplied by the following insurers: COPYRIGHTED DOCUMENT, DISTRIBUTION RESTRICTED 21st Century Insurance Alfa Alliance Insurance Corporation Allstate Insurance Group American Family Insurance Group American National Family of Companies Amica Mutual Insurance Company Auto Club Group Automobile Insurers Bureau of Massachusetts Chubb & Son COUNTRY Financial CSAA Insurance Group Erie Insurance Group Esurance Farm Bureau Financial Services Farmers Insurance Group of Companies Florida Farm Bureau Insurance Company GEICO Corporation The Hartford Kemper Preferred Kentucky Farm Bureau Mutual Insurance Companies Liberty Mutual Insurance Company MetLife Auto and Home National General Nationwide New Jersey Manufacturers Insurance Group PEMCO Insurance Plymouth Rock Assurance Progressive Corporation Rockingham Group Safeco Insurance SECURA Insurance Sentry Insurance State Farm Tennessee Farmers Mutual Insurance Company The Travelers Companies USAA 2015 by the Highway Loss Data Institute. All rights reserved. Distribution of this report is restricted. No part of this publication may be reproduced, or stored in a retrieval system, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of the copyright owner. Possession of this publication does not confer the right to print, reprint, publish, copy, sell, file, or use this report in any manner without the written permission of the copyright owner.

5 Introduction This Highway Loss Data Institute report presents comprehensive noncrash fire for passenger vehicles produced in model Noncrash fire represent fire damage to a vehicle not caused by a collision or vandalism. Results in this report are based on nearly 57 million insured vehicle and almost 6,900 claims. The 10 passenger cars, SUVs, and pickups with the worst (highest) fire claim frequencies are presented in Table 1. The Ram 3500 crew cab LWB 4WD had the highest relative claim (498), followed by the Ram 2500 crew cab LWB 4WD (462) and the Ford F-350 SuperCrew 4WD (353). Results for all vehicles are included in the totals and in the separate totals for class and size subgroups in Table 2. The results in Table 2 are presented in descending order of relative claim within each size class. For an individual vehicle series to appear, the vehicle had to have at least 20,000 insured vehicle or 100 claims. Coverage results in this report have been standardized for driver age and deductible. To provide information on as many vehicle series as possible, noncrash fire comprehensive data for model are combined in this report for those vehicles with basic designs that remained unchanged. Some individual series also are grouped into combined series when these vehicles are similar except for different engines. These combinations are listed in Appendix A. In this report, claim is defined as the number of claims for a group of vehicles divided by the exposure for that group and is expressed as claims per 1,000 insured vehicle. The average loss payment per claim, or, is defined as the total of all loss payments made for the claims for a group of vehicles divided by the number of claims paid. The average loss payment per insured vehicle year, or loss, is defined as the product of claim and average loss payment per claim for a group of vehicles and is expressed as dollars per insured vehicle year. Results in this report are presented in relative terms where 100 corresponds to the average result for all passenger vehicles. Using relative values makes it easier to determine if a result is better or worse than average and by how much. results are computed by dividing the vehicle series result by the all-passenger-vehicle result and then multiplying by 100. The all-passenger-vehicle results for this report are: model year all-passenger-vehicle claim = 0.1 per 1,000 insured vehicle model year all-passenger-vehicle claim = $17, model year all-passenger-vehicle loss = $2 The all-passenger-vehicle claim is extremely low at 0.1 claims per 1,000 insured vehicle. For every 8,247 insured vehicle, only one noncrash fire claim is made. Examples of relative results: model year Toyota Camry 4dr relative claim = model year Toyota Camry 4dr claim = 0.1 x (88/100) = model year Honda Civic 4dr relative claim = model year Honda Civic 4dr claim = $17,254 x (65/100) = $11, model year Ford Expedition relative loss = model year Ford Expedition loss = $2 x (137/100) = $2.74 1

6 Table 1: Highest relative fire claim frequencies, models Make and series Size and class Total exposure * Passenger cars Subaru Impreza WRX 4WD Small 4dr car 34, Mercedes-Benz SLK class convertible Small sports car 23, Chrysler 300 HEMI Large 4dr car 30, Nissan 370Z 2dr Midsize sports car 24, Dodge Dart Small 4dr car 190, Dodge Charger HEMI Large 4dr car 65, Honda Civic Si Small 4dr car 33, Ford Mustang GT 2dr Midsize sports car 120, Dodge Challenger Large 2dr car 168, Honda Civic Si Small 2dr car 32, SUVs Toyota FJ Cruiser 4dr 4WD Midsize SUV 57, Ford Flex 4dr Midsize SUV 64, Acura MDX 4dr 14 Midsize luxury SUV 20, Honda Accord Crosstour 4dr 4WD Midsize SUV 38, Jeep Wrangler 4dr 4WD Midsize SUV 446, Dodge Journey 4dr Midsize SUV 236, Jeep Cherokee 4dr 4WD 14 Midsize SUV 73, Infiniti QX70/FX series 4WD Midsize luxury SUV 21, Dodge Durango 4dr Large SUV 84, GMC Yukon 4dr 4WD Large SUV 47, Pickups Ram 3500 crew cab LWB 4WD Very large pickup 59, Ram 2500 crew cab LWB 4WD Very large pickup 25, Ford F-350 SuperCrew 4WD Very large pickup 96, Chevrolet Silverado 1500 crew cab 14 Large pickup 50, Ram 2500 crew cab SWB 4WD Very large pickup 109, Ford F-250 SuperCrew 4WD Very large pickup 23, Chevrolet Silverado 3500 crew cab 4WD Very large pickup 25, Ram 1500 SWB 4WD Large pickup 21, Ford F-250 SuperCrew 4WD Very large pickup 156, Ram 2500 mega cab 4WD Very large pickup 24, *100 = all-passenger-vehicle result 2 HLDI Fire Report : September 2015

7 Table 2: Insurance fire, models All passenger vehicles ,881,937 6, = =$17, =$2 All passenger cars ,774,717 3, MICRO CARS 2-door models , Scion iq , Smart ForTwo , door models ,486 0 MINI CARS 2-door models , Mini Cooper convertible , Mini Cooper Clubman , Fiat 500 convertible , Fiat , door models , Toyota Yaris , Chevrolet Spark , Hyundai Accent , Mazda , Ford Fiesta , Kia Rio , Station wagons , Ford Fiesta , Hyundai Accent , Kia Rio , Sports models , Mazda MX-5 Miata convertible , SMALL CARS 2-door models , Honda Civic , Hyundai Elantra , Scion FR-S , Volkswagen New Beetle , Subaru BRZ , Volkswagen New Beetle convertible , Scion tc , Hyundai Veloster turbo , Hyundai Veloster , Honda Civic Si , door models ,178, Volkswagen GTI , Toyota Prius c hybrid , Nissan Leaf electric , Toyota Corolla , Toyota Prius hybrid , HLDI Fire Report : September

8 Table 2: Insurance fire, models Mazda 3 hatchback 14 26, Honda Insight hybrid , Subaru Impreza 4WD , Honda Civic ,347, Hyundai Elantra , Nissan Sentra , Acura ILX , Nissan Juke 4WD , Ford Focus , Nissan Versa , Volkswagen Golf , Hyundai Elantra GT , Mitsubishi Lancer , Chevrolet Cruze , Chevrolet Sonic , Nissan Juke , Mazda , Honda Civic hybrid , Chevrolet Volt electric , Toyota Prius plug-in hybrid , Kia Forte 14 67, Dodge Dart , Honda Civic Si , Subaru Impreza WRX 4WD , Station wagons ,244, Scion xd , Mini Countryman 2WD , Subaru XV Crosstrek 4WD , Toyota Prius v hybrid , Kia Soul 14 81, Scion xb , Subaru Impreza 4WD , Ford C-Max hybrid , Nissan Versa Note 14 41, Chevrolet Sonic , Ford Focus , Mini Countryman 4WD , Subaru Impreza WRX 4WD , Sports models , Mercedes-Benz SLK class convertible , Luxury models , HLDI Fire Report : September 2015

9 Table 2: Insurance fire, models MIDSIZE CARS 2-door models , Honda Accord , Chrysler 200 convertible , Volkswagen Eos convertible , Hyundai Genesis , door models ,298,262 1, Kia Optima hybrid , Subaru Legacy 4WD , Acura TSX , Volkswagen Passat , Volkswagen Jetta , Hyundai Sonata , Hyundai Sonata hybrid , Toyota Camry ,456, Ford Fusion hybrid , Honda Accord , Nissan Altima , Toyota Camry hybrid , Buick Verano , Chrysler , Mazda , Kia Optima , Ford Fusion , Chevrolet Malibu , Nissan Maxima , Volkswagen CC , Dodge Avenger , Station wagons , Volkswagen Jetta , Mazda , Subaru Outback 4WD , Subaru Outback 4WD with Eyesight , Sports models , Ford Mustang convertible , Ford Mustang 2dr , Ford Mustang GT 2dr , Nissan 370Z 2dr , Luxury models ,293, Mercedes-Benz CLA class 4dr 14 26, Lexus IS 250 4dr 14 25, Volvo S60 4dr 4WD , Cadillac ATS 4dr 4WD , Lexus CT 200h hybrid 4dr , HLDI Fire Report : September

10 Table 2: Insurance fire, models Mercedes-Benz C class 2dr , Lexus ES 350 4dr , Acura TL 4dr 4WD , Lexus ES 300h hybrid 4dr , Acura TL 4dr , Volvo S60 4dr , Audi A4 4dr 4WD , Audi S4 4dr 4WD , Audi A4 4dr , Mercedes-Benz C class 4dr , Lincoln MKZ 4dr , BMW 3 series 4dr , Cadillac ATS 4dr , Mercedes-Benz C class 4dr 4WD , BMW 3 series 4dr 4WD , Audi A5 2dr 4WD , LARGE CARS 2-door models , Dodge Challenger , door models ,534, Chrysler 300 4WD , Toyota Avalon hybrid , Buick Regal , Chevrolet Impala 14 71, Toyota Avalon , Hyundai Azera , Buick LaCrosse , Ford Taurus , Chrysler , Dodge Charger , Dodge Charger HEMI , Chrysler 300 HEMI , Sports models , Chevrolet Camaro 2dr , Chevrolet Camaro convertible , Luxury models ,240, Mercedes-Benz E class 2dr , Infiniti Q70/M series 4WD , Lexus GS 350 4dr 4WD , BMW 5 series 4dr , Mercedes-Benz E class 4dr 4WD , Audi A7 4dr 4WD , Audi A6 4dr 4WD , Mercedes-Benz E class 4dr , Cadillac CTS 2dr , HLDI Fire Report : September 2015

11 Table 2: Insurance fire, models Lexus GS 350 4dr , BMW 5 series 4dr 4WD , Hyundai Genesis 4dr , Infiniti Q70/M series , Mercedes-Benz CLS class 4dr , Mercedes-Benz E class convertible , Tesla S 4dr electric , VERY LARGE CARS Station wagons/minivans ,905, Nissan Quest , Toyota Sienna , Dodge Grand Caravan , Honda Odyssey , Chrysler Town & Country LWB , Toyota Sienna 4WD , Luxury models , Lincoln MKS 4dr , Cadillac XTS 4dr , All pickups, SUVs, and vans ,107,220 3, PICKUPS All pickups ,774,990 1, All small pickups , door models , Toyota Tacoma , Toyota Tacoma 4WD , door plus models , Toyota Tacoma xtra cab , Nissan Frontier ext. cab , Toyota Tacoma xtra cab 4WD , Nissan Frontier ext. cab 4WD , door models , Toyota Tacoma double cab LWB 4WD , Nissan Frontier crew cab SWB 4WD , Toyota Tacoma double cab , Nissan Frontier crew cab SWB , Toyota Tacoma double cab 4WD , All large pickups ,038, door models , Ford F , Ram 1500 SWB , Ram 1500 SWB 4WD , door plus models , Ford F-150 SuperCab 4WD , Ford F-150 SuperCab , HLDI Fire Report : September

12 Table 2: Insurance fire, models 4-door models ,089, Toyota Tundra CrewMax , GMC Sierra 1500 crew cab 14 23, GMC Sierra 1500 crew cab 4WD 14 55, Toyota Tundra double cab , Ford F-150 SuperCrew , Ram 1500 crew cab SWB , Toyota Tundra double cab 4WD , Nissan Titan crew cab 4WD , Chevrolet Silverado 1500 ext. cab 14 27, Ram 1500 ext. cab , Chevrolet Silverado 1500 ext. cab 4WD 14 61, Nissan Titan crew cab , Toyota Tundra CrewMax 4WD , Chevrolet Silverado 1500 crew cab 4WD , Ford F-150 SuperCrew 4WD , Honda Ridgeline crew cab 4WD , Ram 1500 crew cab SWB 4WD , Ram 1500 ext. cab 4WD , Chevrolet Silverado 1500 crew cab 14 50, All very large pickups , door models , door plus models , Ford F-250 super cab 4WD , door models , Chevrolet Silverado 2500 crew cab 4WD , GMC Sierra 2500 crew cab 4WD , Ram 2500 mega cab 4WD , Ford F-250 SuperCrew 4WD , Ram 2500 crew cab SWB 4WD , Ram 2500 crew cab LWB 4WD , Chevrolet Silverado 3500 crew cab 4WD , Ford F-350 SuperCrew 4WD , Ram 3500 crew cab LWB 4WD , SUVs All SUVs ,233,742 1, Small SUVs ,781, Nissan Rogue 4dr 14 29, Volkswagen Tiguan 4dr , Toyota RAV4 4dr 4WD , Subaru Forester 4dr 4WD , Toyota RAV4 4dr , Mazda CX-5 4dr 4WD , Honda CR-V 4dr , HLDI Fire Report : September 2015

13 Table 2: Insurance fire, models Mitsubishi Outlander Sport 4dr 4WD , Mitsubishi Outlander Sport 4dr , Honda CR-V 4dr 4WD , Hyundai Tucson 4dr 4WD , Kia Sportage 4dr 4WD , Jeep Compass 4dr , Jeep Patriot 4dr , Volkswagen Tiguan 4dr 4WD , Kia Sportage 4dr , Jeep Patriot 4dr 4WD , Ford Escape 4dr , Mazda CX-5 4dr , Jeep Compass 4dr 4WD , Hyundai Tucson 4dr , Nissan Rogue 4dr 4WD 14 43, Ford Escape 4dr 4WD , Jeep Wrangler 2dr SWB 4WD , Midsize SUVs ,612, Toyota Highlander 4dr 14 20, Toyota Venza 4dr 4WD , Toyota Venza 4dr , Jeep Cherokee 4dr 14 36, Chevrolet Equinox 4dr 4WD , Toyota 4Runner 4dr , Nissan Pathfinder 4dr , Mazda CX-9 4dr 4WD , Honda Accord Crosstour 4dr , Chevrolet Captiva Sport 4dr , Honda Pilot 4dr 4WD , Nissan Murano 4dr 4WD , Nissan Pathfinder 4dr 4WD , Chevrolet Equinox 4dr , Ford Explorer 4dr , Mazda CX-9 4dr , Nissan Xterra 4dr 4WD , Dodge Journey 4dr 4WD , Jeep Grand Cherokee 4dr , Toyota 4Runner 4dr 4WD , Honda Pilot 4dr , Nissan Murano 4dr , Hyundai Santa Fe Sport 4dr , Ford Flex 4dr 4WD , Kia Sorento 4dr 14 81, Ford Edge 4dr , HLDI Fire Report : September

14 Table 2: Insurance fire, models Toyota Highlander 4dr 4WD 14 33, GMC Terrain 4dr , Ford Explorer 4dr 4WD , Jeep Grand Cherokee 4dr 4WD , Ford Edge 4dr 4WD , Dodge Journey 4dr , Hyundai Santa Fe Sport 4dr 4WD , Hyundai Santa Fe 4dr , GMC Terrain 4dr 4WD , Kia Sorento 4dr 4WD 14 44, Jeep Cherokee 4dr 4WD 14 73, Jeep Wrangler 4dr 4WD , Toyota FJ Cruiser 4dr 4WD , Ford Flex 4dr , Honda Accord Crosstour 4dr 4WD , Large SUVs ,599, Chevrolet Traverse 4dr 4WD , Chevrolet Tahoe 4dr 4WD , Chevrolet Tahoe 4dr , Volkswagen Touareg 4dr 4WD , Chevrolet Traverse 4dr , GMC Acadia 4dr , GMC Yukon 4dr , Ford Expedition 4dr 4WD , Buick Enclave 4dr , Nissan Armada 4dr , Buick Enclave 4dr 4WD , Ford Expedition 4dr , GMC Yukon 4dr 4WD , GMC Acadia 4dr 4WD , Dodge Durango 4dr , Toyota Sequoia 4dr 4WD , Nissan Armada 4dr 4WD , Dodge Durango 4dr 4WD , Very large SUVs , Chevrolet Suburban dr , Ford Expedition EL 4dr 4WD , Chevrolet Suburban dr 4WD , GMC Yukon XL dr , GMC Yukon XL dr 4WD , LUXURY SUVs Small luxury SUVs , Buick Encore 4dr 4WD , BMW X1 4dr 4WD , HLDI Fire Report : September 2015

15 Table 2: Insurance fire, models Buick Encore 4dr , Land Rover Range Rover Evoque 4dr 4WD , Midsize luxury SUVs ,239, Lincoln MKX 4dr , Volvo XC60 4dr , Acura MDX 4dr 4WD 14 47, Lexus RX 450h hybrid 4dr 4WD , Mercedes-Benz GLK class 4dr , Infiniti QX60/JX series , Acura RDX 4dr 4WD , Acura RDX 4dr , Lincoln MKX 4dr 4WD , Volvo XC60 4dr 4WD , Infiniti QX60/JX series 4WD , Lexus RX 350 4dr , Volvo XC90 4dr 4WD , Lexus RX 350 4dr 4WD , Audi Q5 4dr 4WD , Mercedes-Benz GLK class 4dr 4WD , Cadillac SRX 4dr , Cadillac SRX 4dr 4WD , Mercedes-Benz M class 4dr , BMW X3 4dr 4WD , Mercedes-Benz M class 4dr 4WD , Infiniti QX70/FX series 4WD , Acura MDX 4dr 14 20, Large luxury SUVs , Porsche Cayenne 4dr 4WD , Lexus GX 460 4dr 4WD , Land Rover LR4 4dr 4WD , Mercedes-Benz GL class 4dr 4WD , Audi Q7 4dr 4WD , Infiniti QX80/QX series 4WD , Cadillac Escalade 4dr 4WD , Infiniti QX80/QX series , Very large luxury SUVs , CARGO/PASSENGER VANS All cargo/passenger vans , LWB = long wheelbase SWB = short wheelbase results are computed for individual model and then combined through a weighted average to produce the three-year relative result. The all-passenger-vehicle 100 is given for reference only and can only be used as a rough estimate to convert from relative to absolute results. Minimum requirement for reporting: 20,000 insured vehicle of exposure of 100 claims. HLDI Fire Report : September

16 Appendix A: Individual series comprising combined series* Make Combined series name in combination BMW 5 series 4dr 528 i 4dr, 535 i 4dr, 550 i 4dr, 535 d 4dr BMW 3 series 4dr 328 i 4dr, 335 i 4dr, 320 i 4dr, 328 d 4dr BMW 3 series 4dr 4WD 328 xi 4dr 4WD, 335 xi 4dr 4WD, 320 xi 4dr 4WD, 328 dx 4dr 4WD BMW 5 series 4dr 4WD 528 xi 4dr 4WD, 535 xi 4dr 4WD, 550 i 4dr 4WD, 535 dx 4dr 4WD Infiniti Q70/M series Q70 4dr Infiniti Q70/M series 4WD Q70 4dr 4WD Infiniti QX60/JX series QX60 4dr Infiniti QX60/JX series 4WD QX60 4dr 4WD Infiniti QX70/FX series 4WD QX70 4dr 4WD Infiniti QX80/QX series QX80 4dr Infiniti QX80/QX series 4WD QX80 4dr 4WD *Some of the series listed in the report are a combination of several series. The combinations include vehicles similar except for different engines. Highway Loss Data Institute 1005 N. Glebe Road, Suite 700 Arlington, VA iihs-hldi.org COPYRIGHTED DOCUMENT, DISTRIBUTION RESTRICTED The Highway Loss Data Institute is a nonprofit public service organization that gathers, processes, and publishes insurance data on the human and economic associated with owning and operating motor vehicles.

Noncrash fire losses. Insurance Report. Prepared by HLDI for NHTSA Passenger Cars, Pickups, SUVs, and Vans. April 2016

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