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Imagine the company you work began to receive 17 calls per minute for customers with problems, and the phone rang off the hook 24 hours a day, every days. One would think that something had gone terribly wrong.
State Farm, which is a typical day, as the insured loans call to report a rate of over 17 per minute. Largest auto insurer in the country handles about 9 million claims per year of vehicles stolen to Fender-benders total losses.
What is an insurance company to do with all these statements? State Farm makes good use of them. For insurance bill. However, State Farm also uses its wealth of claims data to encourage the design of better and safer cars.
Remember when Ford Explorer Firestone tires gained national attention in 2000 due to an alarming number of renewals? State Farm was the first to sound the alarm bell to the National Highway In 1998 Traffic Safety Administration.
State or a bumper that survives an accident or a car with high passenger injuries, allows car manufacturers know.
"You try to work together and find common ground," explains State Farm spokesperson Kip Diggs. "Even if they do not recognize that The idea came from you. It is a welcome step. "It is a concert to benefit all car buyers, not just State Farm customers, through safer vehicles and, ultimately, lower car insurance rates.
State Farm does not charge its automakers recommendations, and not even expect a thanks. But for four men in State Farm Vehicles Research Facility in Bloomington, Illinois, is the work of their lives.
State Farm not only examines past claims for problematic vehicles, but also pulls those vehicles into its facility in Research and tears down for clues about why vehicles incur extra costs. Was down 25 to 50 vehicles a year, most they destroyed or damaged. For example, employees of State Farm a couple of years ago that the Chevrolet Cobalt, which shares a platform with the Saturn Ion, a performance much better than the Ion in side-impact collisions. State Farm brought the two vehicles on the premises, took them apart, and discovered that Chevrolet has added reinforcements side in the Cobalt, increasing passenger safety.
Figuring out how to keep vehicles safer from theft is also an important role in State Farm facilities.
"If a professional wants your car, they will get it," says Diggs. "But if we can find ways to make to enter a car frustrating to a professional, and less attractive to thieves and Joyriders, it's worth. "
Suggesting ways for auto makers to produce cars with lower repair costs is also a mission. When your damaged car goes into the repair shop, "everything is on time," Diggs says. "Work is where the money is. A vehicle that can be repaired more quickly is a vehicle that will be less expensive to insure. Even if you are Allstate customer, or national, you get the benefit of that vehicle. "
"State Farm is interested in seeing cars built to raise the level, "says Diggs." Some manufacturers listen, some do not. "
Case in point: The Mustang
When Ford was designing its current generation Mustang in the late 90's, State Farm asked to look at the design and give an opinion. Earlier Mustangs did not sport great safety record and were high on theft lists. State Farm employees brought down the Mustang and made recommendations to Ford (free).
Shortly after the new 2005 Mustang GT came out, State Farm has his hand on the first that had been titled and destroyed. (He had bought for a 16-year-old in Chicago.) State Farm employees wondered if any of their suggestions had been made in the design.
"We are pleased to see some suggestions made," says Diggs, such as the way Ford panels were placed and hard parts for the car which makes it easier for the vehicle to be repaired.
About the Author:
Amy Danise is an editor for Insure.com. Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.
Article Source: ArticlesBase.com – State Farm Car Insurance Claims Lead to Better Vehicle Design
Cool Mustang GT Pictures **Awesome**
