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ADAS and the Impact on Insurance

What is ADAS- Advanced Driver Assistance Systems

ADAS technology creates a circle of safety around the vehicle. Many safety features come from the front-facing camera in the windshield, including lane departure warning and traffic sign recognition.

Why are these systems being used in vehicles? 

There are 1.2 million Traffic fatalities globally on an annual basis by far the largest contributor is human error.  90% adoption of ADAS systems could reduce fatalities by 67%.  In the United States alone it is projected that with 90% adoption of ADAS in vehicles 33,000 lives would be saved and in China this number rises to 275,000 lives per year.

Currently 6% of the windshields being replaced by Safelite AutoGlass have some type of ADAS feature and this number is expected to double each year in the foreseeable future.   The government is pushing for these additional safety features as well as consumer demand for these options.

How does this impact the consumer when a windshield is replaced? 

With some of these safety features the cost of the windshield is more expensive as well as a process called “recalibration” is required after the replacement is performed to ensure that the safety features are working properly.

Below are some cash price examples of windshield costs with and without the safety features requiring recalibration.  Please keep in mind that these are examples and market pricing may vary:

2014 Ford Taurus

A windshield for a vehicle without ADAS options range from $259.00 and  $699 for a Windshield on a vehicle with ADAS options.

2015-2017 Acura MDX

A windshield for a vehicle without ADAS options range from $359.00 and  $999.95 for a Windshields on a vehicle with ADAS options.

These prices do not include recalibration charges. Safelite AutoGlass charges $300 but they have seen dealer prices in excess of $2000.

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