Important Client Update: COVID-19

Accident Advisor

For the minutes after an accident, there’s CCC Accident Advisor.

Today’s connected vehicles are advancing the safety of our roadways and the points of connection with consumers. Relationships with insurance companies no longer start at quote or claim. Relationships with automotive manufacturers no longer end at point of purchase. Today, these relationships extend to the point of impact.


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Connected vehicles and CCC X connect insurers and auto manufacturers to drivers at the point of impact so they can provide guidance and comfort.


Raw, real-time OEM telematics data flows to the CCC X data exchange where it is converted to actionable insights. Having detected a collision and its approximate severity, it allows clients to support the driver as appropriate. For less severe incidents, clients can immediately text the driver a link to access the Accident Advisor app.

The Accident Advisor app leads the driver through post-collision steps and provides guidance on capturing post-incident crash facts and photos, alerting insurance, and finding a repair facility.

Drivers can easily submit crash documentation to participating insurers without exiting the Accident Advisor app. This injects unprecedented immediacy into the beginning of the claims resolution process.


CCC Accident Advisor powers this point of connection. Built on the hyperscale CCC X data exchange with the capacity to capture every turn, every brake, every sensor collected by a connected vehicle. With connections so advanced, telematics data can detect an incident and triage the severity instantly.

Beyond the Vehicle: OEM Technology and Connected Networks Drive Enhanced Consumer Experiences

By Nathan Potance, VP Telematics, OEM and Aftermarket   Despite a rollercoaster of a year, automakers and tech companies continue to make investments in four key auto-industry megatrends: Autonomous, Connected, Electric, and Shared (ACES). Connected cars and advancements made to usher in autonomous driving offer will infiltrate the market first, as OEMs compete to offer differentiated experiences to their drivers. The connected car sector will be responsible for 30 million new connected vehicles on the road this year despite shipments of vehicles with embedded connectivity dropping by 15 percent in response to COVID. In the USA, 91 percent of new vehicles sold in 2020 will be connected. Both embedded and aftermarket segments will see accelerated growth in 2021, and sales should return to trend in early 2022 with 115 million global connected car shipments, and a market value of $83 billion in 2025. Similarly, the global Advanced Driver Assistance Systems (ADAS) – embedded vehicle technology that improves driver comfort and safety – market is projected to be worth $270 billion by 2030 as drivers purchase more luxury vehicles and show strong interest in safety features. Even with differing traffic patterns and riskier driving during the peak of US shelter-in-place orders, ADAS had a profound impact on reducing accident severity. Safety and other personalized experiences are influencing new car purchase behaviors. A 2019 survey by Fundera noted that 80 percent of U.S. drivers would pay more for a vehicle if it was accompanied by a better experience. By enabling safer experiences and delivering potential insurance premium savings, telematics and ADAS are the forces behind the driving experiences of the future. Connecting OEMs and Drivers for Better Journeys The relationship between OEM and drivers no longer stops at the point of purchase; it now extends beyond the vehicle itself. In the event of an auto accident, connected vehicles can automatically alert OEMs of the incident, triggering a series of services designed to help a driver in the time they need it most. Associated technology and services exist that can help guide drivers once safe to quickly document the accident scene and initiate the claims process with their insurance provider through a singular, mobile experience. The technology can even guide drivers to select a local body shop to complete repairs where onsite diagnostics scans at repair facilities offer a thorough view of needed vehicle repairs, further optimizing the repair process.  Providing drivers with support during a confusing and stressful time can help OEMs distinguish themselves with unique services that drive customer satisfaction and even brand loyalty. Take, for example, the scenario of a total loss. According to CCC’s research, 34% of drivers are likely to select a new make and model when replacing their vehicle after an accident. And with 20 percent of all accidents resulting in a total loss, there is a substantial opportunity to retain customers. With telematics, OEMs can understand in near real-time that an accident occurred and that the crash dynamics signal a potential total loss, offering an opportunity to reach out to drivers with personalized support and offers to keep them in the OEM family. This new interaction with customers extends the OEM engagement in a way not previously possible before the rise of connected vehicles. However, as the industry builds toward autonomous vehicles, the goal is to reduce, or even eliminate, accidents from happening in the first place. While we’re not there yet, ADAS technology has been shown to be very effective at reducing crashes in the scenarios in which they are best designed to work. Our recent analysis of the Delta V – the change in velocity that a vehicle experiences during a collision – indicates that ADAS in newer vehicles are mitigating the severity of accidents that cannot be avoided. However, most vehicles on the road are still not ADAS-equipped, and the technology doesn’t address every type of accident scenario. As ADAS technology becomes standard on many vehicles, and consumers like the added safety these systems offer, insurance carriers are starting to factor in vehicle technology and accident-avoidance features when calculating rates. This change in underwriting inputs could lead to savings for all parties down the road. Evolving Customer Expectations Open New Savings Opportunities ADAS isn’t the only vehicle technology providing a savings opportunity either. As consumers have spent less time commuting over the last six months, it’s no surprise that usage-based insurance is starting to gain more interest. Many consumers are questioning the structure and pricing of their insurance policies that are based on the ownership of the vehicle, but not the use of the vehicle. As usage for many remains low, pay-as-you-drive and other alternative pricing models offer interesting alternatives. In fact, according to Berg Insights, the total number of insurance telematics policies in force in North America is forecasted to increase from an estimated 14.7 million policies at the end of 2019 to reach 53.6 million policies by 2024, achieving a compound annual growth rate of nearly 30 percent. Through telematics, OEMs can be a gateway to insurers, extending personalized driving experiences to a new phase of vehicle ownership. And just like the connected claims scenario, engaging drivers beyond the initial purchase offers OEMs the opportunity to provide unique experiences that build deeper relationship with their customers. With driver consent, telematics-enabled insurance programs connect vehicles from the OEM point of purchase to CCC to participating insurers who may offer personalized insurance rates or reward good behaviors. Driving into the Future Vehicle technology provides a platform for expanded relationships. Consumers’ expectations for goods and services to be tailored to their specific needs continues to grow. The more attuned companies are to these demands, the deeper the customer relationship becomes. And when satisfaction is high, loyalty grows. To learn more about CCC OEM telematics solutions, please visit the CCC website.

CCC Auto Claims Snapshot - October 2020

Repairable appraisal counts in October 2020 were nearly 20 percent lower than in October 2019.  This was an improvement from September 2020, when repairable appraisal counts were down -22.7 percent. Year-to-date repairable appraisal counts are still down nearly -22 percent versus the first 10 months of CY 2019. Only two states saw a slight uptick in repairable appraisal counts in October 2020 – South Dakota (up 3 percent) and Louisiana (up 8 percent).    South Dakota was one of several states in the upper Midwest hit by a winter storm on October 20th that left the area covered with nearly a foot of wet, heavy snow.  Louisiana meanwhile has been hit by no fewer than five tropical storms and hurricanes this year, with Hurricane Delta and Hurricane Zeta hitting the state in October.  Aon Benfield noted Zeta was the record 5th tropical storm to make landfall in Louisiana in a single season – the first instance on record of a state to have 5 storms din a single season dates back to 1851.   Excluding comprehensive losses, overall claim counts (repairable appraisals plus total loss vehicle valuations) remain down -24 percent year-to-date through October.  Non-comprehensive repairable appraisals remain down over 25 percent, while non-comprehensive total loss claims are down only -18.6 percent year-to-date. The percent of claims that are total loss continues to trend up, with total loss frequency up to 21 percent of all losses Q3 2020 versus 18.7 percent in Q3 2019.  Higher total loss frequency with a higher share of claims that are non-driveable continue to underscore how COVID-19 has changed accident types.   With the U.S. reporting more than 100,000 new COVID-19 cases in a single day, predictions of a winter wave of the virus appear to be coming true; plans to bring more students back to school full-time or employees back to office will likely be stalled further. Additionally, U.S. unemployment claims have not improved significantly in the last several weeks. With many fewer drivers on the road each day driving to work, driving kids to school, or because they are unemployed, the likelihood of significant increases in accident and claims counts in Q4 are looking even more unlikely.

CCC Introduces Vehicle-Level ADAS Insights

CCC Information Services Inc. (CCC) announces today the availability of CCC® VIN Connect – ADAS, the latest in a series of innovations that support underwriting precision at the point-of-quote. CCC VIN Connect - ADAS provides a vehicle-level view of advanced driver assistance systems (ADAS), providing underwriters with an easy way to understand available safety features to assess risk more accurately. CCC research comparing like vehicles with and without ADAS shows the presence of ADAS features can help reduce certain types of accidents, and if not prevented entirely, ADAS can help slow the vehicle before impact, mitigating damage and the subsequent cost of repair. When ADAS-equipped vehicles are in an accident, the average total cost of repair is often higher than for vehicles without ADAS. “To better assess insurable risk, it is important underwriters know what vehicle safety features are present,” said Rohit Tendulkar, vice president, product management, CCC. “ADAS features vary by year, make, and model, making it complicated to identify the presence of ADAS. CCC VIN Connect – ADAS delivers these actionable insights at the point-of-quote, empowering underwriters with the information necessary to factor ADAS availability into personalized auto policies.” CCC VIN Connect - ADAS is part of a broader offering that helps underwriters gain a 360-view of a driver and their vehicle. CCC® VIN Connect – Behavior collects driving behavior data and can verify mileage, making it easy for insurers to determine potential discounts based on actual driving habits. CCC® Quick View, CCC’s photo-guided vehicle inspection solution, enables auto underwriters to efficiently and affordably complete vehicle inspections by offering policyholders a mobile app to easily capture vehicle photos, allowing insurers to virtually assess vehicle condition, including the identification of pre-existing damage. “All roads today are leading to more personalization and the delivery of services that are unique to individual consumers,” added Tendulkar. “The underwriting process is ripe for change. Vehicle- and driver-level insights and convenient virtual inspections can help ensure policies align to specific individuals based on what and how they drive. These tools help to kick-off a vastly more modern experience for policyholders and help insurers achieve greater speed and accuracy in their processes and transparency in their risk assessments.” The VIN Connect portfolio connects underwriters to ADAS and driving behavior data via a single API. CCC Quick View is a mobile app that can be presented within an insurer’s own policyholder app experience. Learn more about CCC VIN Connect – ADAS and CCC’s underwriting solutions.

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