The HLDI uses the term "Loss Results" which we feel is confusing - Crashtest.com uses the term "Loss Payments" eg:payments paid out to victims for injuries suffered in a motor vehicle accident, a much easier term to understand.

Vehicles with the highest injury loss payments typically have claim frequencies triple those with the lowest rating.  Vehicles that receive the best rating are the largest, heaviest models, while those with the worst are usually the smallest and lightest.  The additional payments associated with a marginal or poor rating would be reflected by a higher insurance premium for those makes and models.  Results are based on the loss experience of 1992-98 models sold in the United States through June of 1999. 

Key To Injury Loss Payments

	Crashtest Loss Payments	=	HLDI Loss Results
	Much Lower Than Average	=	Much Better Than Avg
	Lower Than Average	=	Better Than Avg
	Average	=	Average
	Higher Than Average	=	Worse Than Avg
	Much Higher Than Average	=	Much Worse Than Avg

Fatal injuries have little effect on the insurance industry's overall injury losses, because they are relatively rare.  However vehicles with higher death rates usually have higher frequencies of injury claims.  Even though the results are based on the experience of models  several years old, the results are generally good predictors of the experience of current versions of the same models. However, manufacturers substantially redesign their passenger vehicles periodically, and, in these cases, results for earlier models with the same name may not predict results for the newer designs.