Insurance companies concerned about increased losses because of panoramic & glass roofs

firsttruck

Well-known member
Joined
Sep 25, 2020
Messages
778
Reaction score
956
Location
mx
Vehicles
none
Country flag
Summary
Previous Highway Loss Data Institute (HLDI) reports have shown that glass claim severities have been increasing over the past five years. This report examines select Kia SUVs to understand the extent to which panoramic roofs may be contributing to this increase, as well as their impact on glass claim frequency and overall losses. Glass claim frequency for vehicles with standard panoramic roofs is 10 percent higher than for vehicles without such roofs available. Glass claim severity is 26 percent higher, and overall losses are 39 percent higher. Among vehicles that may be equipped with optional panoramic roofs, glass claim frequency is 5 percent higher, glass claim severity is 20 percent higher, and overall losses are 26 percent higher than for vehicles without panoramic roofs available. The smaller effect among this group likely reflects the fact that some vehicles likely were not equipped with these roofs


Discussion
Glass losses for vehicles with standard or optional panoramic roofs are significantly higher than vehicles without panoramic roofs. In addition, the increase is greater for vehicles with standard panoramic roofs than vehicles with optional panoramic roofs, which is expected, since not all vehicles with the option actually have it. Panoramic roofs are becoming much more widely available, with one-quarter of midsize SUVs and more than half of midsize luxury SUVs having panoramic roofs available. Over the past few years, glass claim severities have been going up, and pan-oramic roofs are likely a contributing factor, with the cost to replace these glass roofs running $800-$1,000. What’s NextThis is a preliminary look at glass losses for vehicles with panoramic roofs based on a limited sample of vehicles. As panoramic roofs become more widely available and more data is collected, HLDI wil


Example
Bulletin Vol. 34, No. 22 : September 2017
Highway Loss Data Institute
Glass losses for Kia SUVs with panoramic roofs
https://www.iihs.org/media/0d51088b...DI Research/Bulletins/hldi_bulletin_34.22.pdf
Advertisement

 
OP
OP

firsttruck

Well-known member
Joined
Sep 25, 2020
Messages
778
Reaction score
956
Location
mx
Vehicles
none
Country flag
Yes. But also cars with tires have more flats than cars without tires.
Right now tires are required. Maybe in the future cars will move without tires but normal cars today require tires.

Glass roof is option.
Glass roof is not required to get primary function of car, get you from point A to point B.

Glass roofs might be raising insurance cost of everybody.
 

VI Tesla

Well-known member
First Name
David
Joined
Nov 29, 2019
Messages
206
Reaction score
356
Location
Nanaimo
Vehicles
Model 3, Cybertruck
Country flag
Right now tires are required. Maybe in the future cars will move without tires but normal cars today require tires.

Glass roof is option.
Glass roof is not required to get primary function of car, get you from point A to point B.

Glass roofs might be raising insurance cost of everybody.
The glass roof is safer. Don't mind paying a bit more in insurance to be safer.
 
OP
OP

firsttruck

Well-known member
Joined
Sep 25, 2020
Messages
778
Reaction score
956
Location
mx
Vehicles
none
Country flag
The glass roof is safer. Don't mind paying a bit more in insurance to be safer.
Do you have info from scientific study that glass roof is safer than metal roof?
 

VI Tesla

Well-known member
First Name
David
Joined
Nov 29, 2019
Messages
206
Reaction score
356
Location
Nanaimo
Vehicles
Model 3, Cybertruck
Country flag
It's been reported in many cases where the Tesla glass roof is orders of magnitude stronger. The thinnest metal used in your typical car is the roof. as it only has to hold paint and keep rain off. Tesla's glass roof actually broke the testing equipment.

https://www.usatoday.com/story/money/cars/2013/08/20/tesla-model-s-crash-test/2678557/

https://www.teslarati.com/tesla-model-3-5-star-safety-roof-strength-multi-car-pileup-video/

https://electrek.co/2019/09/19/tesla-model-3-iihs-top-safety-pick-highest-award/#:~:text=Tesla was particularly proud of,on top of each other.
 
Last edited:
Advertisement

 
Advertisement
Top