According to the Gesamtverband der Deutschen Versicherungswirtschaft (GDV) each year more than 9.3 million claims including damages to property of vehicles are registered by insurances. Thus, in Germany statistically every 3 seconds happens an insurance claim. Based on this there is a huge potential for new advanced driver assistance systems, especially for low speed due to the high occurence rate. Big growth is expected for autonomous driving and driver assistance systems in the following years. Nevertheless such systems often do not belong to the standard equipment of new cars. Higher market penetration can be achieved through determination of the benefits or possible bonification for insurance rates.


Based on standardized evaluation methods for the extent of damage and the influence of advanced driver assistance systems on the damage risk the efficiency and effectivity of such systems have to be determined by virtual and real test scenarios. A damage to property optimal design layout for cars including material and sensor layout will be derived. Furthermore the highest possible advantage for customers under consideration of insurance rating may be examined.


  • Identification of accident types and variables
  • Simulation of the influence through advanced driver assistance systems on standard accident types
  • Determination of the efficiency through comparison of damage costs
  • Derivation of expertise for a property to damage optimal vehicle layout