Research On Automobile Crashworthiness Performance And Its Impact On Auto Collision Insurance

Automobile industry should apply the concept of mature carrier crashworthiness in the natural disaster field to study the sensitivity of automobile damage to external threats and establishing a set of crashworthiness evaluation method that works for all automobile brands.Firstly,this research defined the conception of the automobile crashworthiness;besides,it clarified its differences from the concepts like safety,vulnerability and etc.At the beginning of the evaluation of automobile crashworthiness,it is necessary to analyze the structure and driving function to identify the threats that the car may face and the degree of the damage caused by corresponding external threats.Afterwards,the damage mode and impact analysis method are used to determine the pivotal subsystem under collision threat and the overall function loss replaced by the subsystem damage.Meanwhile,this research will collect the related collision test date to prepare for the evaluation of the automobile body’s structure crashworthiness.According to the B-Pillar acceleration curve,the strength of the car during the collision process s is obtained,thereby indicating the automobile body’s structure crashworthiness.Combined with three factors of the crashworthiness value,the formula for the crashworthiness is created.The crashworthiness value can be obtained by practical example.Combine the core index of automobile crashworthiness and the auto collision insurance,and take this factor with the traditional auto insurance payment method into consideration,to give floating insurance rate recommendation based on the degree of crashworthiness.Due to the different losses in same range price and grade vehicle,this paper will analyze and classify the crashworthiness by the collision test.It based on the numbers and proportion of the crashworthy vehicles of different levels to get the probability of collision with higher crashworthiness and lower crashworthiness.The expected value mathematical was used to obtain the floating auto collision insurance rate factor and then analysis the impact on auto collision insurance caused by automobile crashworthiness.