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So you’ve decided to buy a car, minivan, SUV, or pickup. Now
the question is, which one? If you factor safety into your choice
   (most people do), then you probably want to know, what’s
   the safest vehicle to buy? Safety has numerous aspects, so
  there’s no direct answer, although it’s clear that some vehicles
  are safer than others. You can find safer vehicles in various
 price and style groups — and you can use this publication to
help identify the best choices. Start by recognizing that safety
        involves AVOIDING CRASHES to begin with and then
              PROTECTING YOU if and when a crash occurs.



                CRASH AVOIDANCE
                          All vehicles have basic features to
                                  reduce crash likelihood —
                                     lights so other motorists
                                       can see you, brakes to
                   a lis T                       stop, etc. New
            from
      oose          car  s,                        technology is
To ch       orThy
      ashw               d                being added to help
of cr          ge To
                     fin
        The pa          uTe               avoid crashes in the
  Turn        ce insTiT
        suran           y’s                  first place. These
 The in       ay saf
                     eT
        highw                              features alert you if
   for                         S
                  Y PICK                   you stray from your
 TOP     SAFET                           lane or get too close
                                       to a car in front of you.

                                                 Most of the new
                                           features haven’t been
                                     scientifically evaluated yet,
                                   but some show promise and
                               one already is proving effective:
                        ELECTRONIC STABILITY CONTROL. 
                          You’ll find it by various trade names
                    (StabiliTrak, Stability Assist, etc.), but the
 systems are basically the same. They’re extensions of antilock
   brake technology that help drivers maintain control in the
       worst situation — loss of control at high speed. These
        systems engage automatically to help bring a vehicle
                             back in the intended line of travel.

             Electronic stability control lowers the risk of a fatal
 single-vehicle crash by about half. It lowers the risk of a fatal
 rollover crash by as much as 80 percent. To see if a vehicle
       you’re thinking of buying has electronic stability control,
                            go to iihs.org/ratings/esc/esc.aspx.

                 DON’T COUNT ON AVOIDING CRASHES.
             Despite everyone’s best efforts, millions of crashes
    occur each year. Tens of thousands of them involve deaths.
        So the most important aspect of shopping for safety is
          to choose a crashworthy vehicle — one that reduces
                           death and injury risk during a crash.
CRASHWORTHINESS
      The first crashworthiness attributes to consider are
      vehicle size and weight. Small, light vehicles generally
      offer less protection than larger, heavier ones. There’s
      less structure to absorb crash energy, so deaths and
      injuries are more likely to occur in both single- and multiple-
      vehicle crashes. If safety is one of your major considerations
      PASS UP VERY SMALL, LIGHT VEHICLES. This doesn’t
      mean you have to buy the heaviest vehicle you can find. It
      wouldn’t necessarily be safer because those weighing more
      than about 4,500 pounds afford only small injury risk reductions.
      At the same time, they increase the injury risk for people riding
      in other vehicles with which they collide.


      BIGGER GENERALLY IS SAFER
      DRIVER DEATHS PER MILLION REGISTERED VEHICLES




100




 50             pickups
                SUVs
                cars and
                minivans


  weight: 2,500 lbs.             3,500                4,500             5,500

      Note: Rates are adjusted to account for some differences in driver age
      and sex within and between vehicle types. Remaining differences in
      vehicle use patterns and driver demographics may account for some
      of the death rate differences.

      While the risk of death generally is higher in smaller and lighter
      cars, SUVs, and pickups, vehicle size and weight don’t tell
      the whole story. There are safety differences among vehicles
      that are similar in size and weight. Some light car models,
      for example, are safer than others. Some midweight SUVs
      are safer than others. And so on. This is because some
      models have MORE CRASHWORTHY DESIGNS than
      others. You can’t tell the difference by looking at the
      vehicles. You need to compare their crash test results.
      Most popular vehicles have been tested, so buy one with
      GOOD CRASHWORTHINESS RATINGS in front, side,
      rollover, and rear-end crashes.
To shop with safety in mind, first determine the vehicle
type and size you want, keeping in mind that bigger
generally is safer. Then it’s easy to shop for a safer
vehicle by choosing one that earns the top award
from the Insurance Institute for Highway Safety.
Winners afford
good protection
in front, side,
rear, and rollover
crashes. They
have electronic
stability control
to help motorists
avoid crashes.
Winners for 2010:

LARGE CARS
Buick LaCrosse
Ford Taurus
Lincoln MKS
Volvo S80

MIDSIzE CARS
Audi A3
Chevrolet Malibu built after November 2009
Chrysler Sebring 4-door with optional ESC
Dodge Avenger with optional ESC
Mercedes C class
Subaru Legacy
Subaru Outback
Volkswagen Jetta sedan
Volkswagen Passat sedan
Volvo C30

SMALL CARS
Honda Civic 4-door with optional ESC, except Si
Kia Soul
Nissan Cube
Subaru Impreza except WRX
Volkswagen Golf 4-door

MIDSIzE SUVs
Dodge Journey
Subaru Tribeca
Volvo XC60
Volvo XC90

SMALL SUVs
Honda Element
Jeep Patriot with optional side torso airbags
Subaru Forester
Volkswagen Tiguan

To compare ratings for other
vehicles, go to www.iihs.org.
CHOOSING A
CRASHWORTHY DESIGN
Structure and restraints are the main aspects of a vehicle’s
design that determine its crashworthiness. Good STRUCTURE 
means a strong occupant compartment (safety cage), crumple
zones to absorb the force of a serious crash, side structure that
can manage the force of a striking vehicle or struck object, and
a strong roof so it doesn’t collapse in on you in a rollover. Until
recently RESTRAINTS included a basic safety belt and frontal
airbags. Now there’s more. Crash-activated tensioners reduce
belt slack. Force limiters can reduce rib injury risk from the belt
itself. The inflation characteristics of advanced frontal airbags
are geared to specific crash circumstances. Other airbags
protect your head and chest in side impacts. Seats and head
restraints are being upgraded to reduce neck injuries in rear
crashes. The best way to evaluate a vehicle’s structural design
and restraints is in a dynamic test. Based on test performance,
a vehicle earns a crashworthiness rating from good to poor.



FRONTAL
CRASHWORTHINESS
Crash testing for consumer information began with the
federal government’s New Car Assessment Program of 35
mph FRONTAL CRASHES HEAD ON into a rigid barrier. A
demanding assessment of vehicle restraints, this test has led
to numerous restraint system improvements. The Insurance
Institute for Highway Safety also conducts frontal tests for
consumer information. These 40 MPH OFFSET TESTS
complement the government tests, spurring improvements
in vehicle structure so that now most passenger vehicles
earn good ratings. Look for good ratings in both sets of tests.




Go to iihs.org/ratings and safercar.gov to find and compare vehicle
crashworthiness based on frontal crash tests. Pick a vehicle to buy
that has the highest ratings in these tests.
SIDE
              CRASHWORTHINESS
The government and the Insurance Institute for Highway Safety
rate vehicles based on tests that simulate FRONT-INTO-SIDE 
crashes. In both tests, vehicles are struck by a moving barrier,
       but the barriers differ so that the government test doesn’t
      assess the risk to people’s heads when their vehicles are
     struck by high-riding ones. Look for good ratings in both
 tests, especially the one that assesses head protection in side
 impacts, and make sure any vehicle you’re thinking of buying
       has side airbags that protect people’s heads. Studies of
     real-world crashes indicate that these substantially reduce
     fatality risk. If side airbags are optional in a vehicle you’re
   thinking of buying, go ahead and purchase them. Some side
         airbags also are designed to protect you in a rollover.




    In the Insurance Institute for Highway Safety’s side crash test,
 the striking barrier is higher than in the federal government’s test,
        so it mimics crashes in which occupants’ heads are at risk.
              Choose a vehicle that earns a good rating in this test.




           ROLLOVER CRASHES
    When vehicles roll, their roofs hit the ground and crush. Stronger
 roofs crush less, so the Insurance Institute for Highway Safety
rates roof strength to help consumers pick vehicles that
  are crashworthy in rollovers. To earn a good rating,
a roof must withstand a force 4 times the vehicle’s
  weight before reaching 5 inches of crush. A roof
   this strong reduces injury risk in a single-vehicle
    rollover by about 50 percent, compared with a
  roof meeting only minimum safety requirements.
REAR 
CRASHWORTHINESS
Compared with front, side, and rollover crashes, rear impacts are less
likely to threaten your life. Yet rear-enders occur frequently and often
cause neck injuries to people in struck vehicles. Such injuries can be
painful and involve costly, long-term consequences. Here’s how the
injuries happen: When a vehicle is struck from behind, an occupant
suddenly goes forward with the seat. If the head isn’t supported it will
lag behind, bending and stretching the neck in a WHIPLASH MOTION. 
Vehicle seats and head restraints can be designed to reduce whiplash
injuries, so the Insurance Institute for Highway Safety first measures
restraint geometry (the higher and closer to the back of the head, the
better). If head restraint geometry is at least acceptable, then a
simulated rear impact of the seat and restraint together completes
the evaluation. Look for vehicles that earn good ratings to minimize
                                         neck injury risk in rear-end
                                         crashes, but be careful. You’ll
                                         have to pay close attention to
                                         the seat options.

                                      A complication is that vehicles
                                      are sold with optional seat
                                      packages, so one model may
                                      include multiple seat designs
                                      that earn different ratings. You’ll
                                      have to match the seats in a
                                      vehicle you want to buy with
                                      the specific rating for that seat
                                      package. Before you drive away,
                                      check to see if the head restraint
Good seat/head restraints
                                      needs to be adjusted to fit
start with good geometry. The
restraints are positioned high        behind your head. If it does,
and close behind the head.            ADJUST IT for good protection.




REMEMBER THE BASICS
               Now that you know how to factor safety into your
                      choice of a vehicle to buy, keep this in
                            mind: Vehicle size matters. So do
                                crash avoidance features and
                      e
            c ompar                crashworthiness ratings.
      d and          r
To fin raTings fo es,               You don’t have to forego
       y              l
safeT ds of vehic gs                 buying a stylish vehicle
      re
 hund hs.org/raT
                     in
 go  To ii    ar.g ov                 to get one that’s safer.
        aferc
  and s                                You can have both.
21st Century Insurance     Kemper, A Unitrin Business
               AAA Mid-Atlantic Insurance Group     Kentucky Farm Bureau Insurance
       AAA Northern California, Nevada, and Utah    Liberty Mutual
                           Affirmative Insurance    Markel Corporation
         Agency Insurance Company of Maryland       Mercury Insurance Group
              Alfa Alliance Insurance Corporation   MetLife Auto & Home
                                  Alfa Insurance    Michigan Farm Bureau Insurance
                        Allstate Insurance Group    Michigan Insurance Company
               American Family Mutual Insurance     MiddleOak
American National Property and Casualty Company     MMG Insurance
                        Ameriprise Auto & Home      Mutual of Enumclaw Insurance Company
                            Amerisure Insurance     Nationwide
               Amica Mutual Insurance Company       Nodak Mutual Insurance Company
                                Auto Club Group     Norfolk & Dedham Group
             Auto Club South Insurance Company      North Carolina Farm Bureau Mutual Insurance Company
                Bituminous Insurance Companies      Oklahoma Farm Bureau Mutual Insurance Company
                    Bristol West Insurance Group    Old American County Mutual Fire Insurance
         Brotherhood Mutual Insurance Company       OneBeacon Insurance
                              California Casualty   Oregon Mutual Insurance
                        Capital Insurance Group     Palisades Insurance
           Chubb Group of Insurance Companies       Pekin Insurance
            Concord Group Insurance Companies       PEMCO Insurance
                         Cotton States Insurance    The Progressive Corporation
                             COUNTRY Financial      Response Insurance
                   Countrywide Insurance Group      Rockingham Group
                   Discovery Insurance Company      Safeco Insurance
                            Erie Insurance Group    Samsung Fire & Marine Insurance Company
                                       Esurance     SECURA Insurance
                 Farm Bureau Financial Services     Sentry Insurance
 Farm Bureau Mutual Insurance Company of Idaho      Shelter Insurance
          Farmers Insurance Group of Companies      Sompo Japan Insurance Company of America
                    Farmers Mutual of Nebraska      South Carolina Farm Bureau Mutual Insurance Company
             Fireman’s Fund Insurance Company       State Auto Insurance Companies
                    First Acceptance Corporation    State Farm
       Florida Farm Bureau Insurance Companies      Tennessee Farmers Mutual Insurance Company
                         Frankenmuth Insurance      Tokio Marine Nichido
                              Gainsco Insurance     The Travelers Companies
                                   GEICO Group      Unitrin
 Georgia Farm Bureau Mutual Insurance Company       USAA
                                GMAC Insurance      Virginia Farm Bureau Mutual Insurance
                               Grange Insurance     West Bend Mutual Insurance Company
                       Hanover Insurance Group      Zurich North America
                                    The Hartford
                     High Point Insurance Group     FUNDING ASSOCIATIONS
     Homeowners of America Insurance Company        American Insurance Association
                                      ICW Group     National Association of Mutual Insurance Companies
                  Indiana Farm Bureau Insurance     Property Casualty Insurers Association of America




                             1005 North Glebe Road
                               Arlington, VA 22201
                                  703/247-1500
                                   www.iihs.org

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Insurance Institute for Highway Safety (IIHS) Shopping For Safer Car 2010 New Vehicle Reviews and Ratings

  • 1.
  • 2. So you’ve decided to buy a car, minivan, SUV, or pickup. Now the question is, which one? If you factor safety into your choice (most people do), then you probably want to know, what’s the safest vehicle to buy? Safety has numerous aspects, so there’s no direct answer, although it’s clear that some vehicles are safer than others. You can find safer vehicles in various price and style groups — and you can use this publication to help identify the best choices. Start by recognizing that safety involves AVOIDING CRASHES to begin with and then PROTECTING YOU if and when a crash occurs. CRASH AVOIDANCE All vehicles have basic features to reduce crash likelihood — lights so other motorists can see you, brakes to a lis T stop, etc. New from oose car s, technology is To ch orThy ashw d being added to help of cr ge To fin The pa uTe avoid crashes in the Turn ce insTiT suran y’s first place. These The in ay saf eT highw features alert you if for S Y PICK you stray from your TOP  SAFET lane or get too close to a car in front of you. Most of the new features haven’t been scientifically evaluated yet, but some show promise and one already is proving effective: ELECTRONIC STABILITY CONTROL.  You’ll find it by various trade names (StabiliTrak, Stability Assist, etc.), but the systems are basically the same. They’re extensions of antilock brake technology that help drivers maintain control in the worst situation — loss of control at high speed. These systems engage automatically to help bring a vehicle back in the intended line of travel. Electronic stability control lowers the risk of a fatal single-vehicle crash by about half. It lowers the risk of a fatal rollover crash by as much as 80 percent. To see if a vehicle you’re thinking of buying has electronic stability control, go to iihs.org/ratings/esc/esc.aspx. DON’T COUNT ON AVOIDING CRASHES. Despite everyone’s best efforts, millions of crashes occur each year. Tens of thousands of them involve deaths. So the most important aspect of shopping for safety is to choose a crashworthy vehicle — one that reduces death and injury risk during a crash.
  • 3. CRASHWORTHINESS The first crashworthiness attributes to consider are vehicle size and weight. Small, light vehicles generally offer less protection than larger, heavier ones. There’s less structure to absorb crash energy, so deaths and injuries are more likely to occur in both single- and multiple- vehicle crashes. If safety is one of your major considerations PASS UP VERY SMALL, LIGHT VEHICLES. This doesn’t mean you have to buy the heaviest vehicle you can find. It wouldn’t necessarily be safer because those weighing more than about 4,500 pounds afford only small injury risk reductions. At the same time, they increase the injury risk for people riding in other vehicles with which they collide. BIGGER GENERALLY IS SAFER DRIVER DEATHS PER MILLION REGISTERED VEHICLES 100 50 pickups SUVs cars and minivans weight: 2,500 lbs. 3,500 4,500 5,500 Note: Rates are adjusted to account for some differences in driver age and sex within and between vehicle types. Remaining differences in vehicle use patterns and driver demographics may account for some of the death rate differences. While the risk of death generally is higher in smaller and lighter cars, SUVs, and pickups, vehicle size and weight don’t tell the whole story. There are safety differences among vehicles that are similar in size and weight. Some light car models, for example, are safer than others. Some midweight SUVs are safer than others. And so on. This is because some models have MORE CRASHWORTHY DESIGNS than others. You can’t tell the difference by looking at the vehicles. You need to compare their crash test results. Most popular vehicles have been tested, so buy one with GOOD CRASHWORTHINESS RATINGS in front, side, rollover, and rear-end crashes.
  • 4. To shop with safety in mind, first determine the vehicle type and size you want, keeping in mind that bigger generally is safer. Then it’s easy to shop for a safer vehicle by choosing one that earns the top award from the Insurance Institute for Highway Safety. Winners afford good protection in front, side, rear, and rollover crashes. They have electronic stability control to help motorists avoid crashes. Winners for 2010: LARGE CARS Buick LaCrosse Ford Taurus Lincoln MKS Volvo S80 MIDSIzE CARS Audi A3 Chevrolet Malibu built after November 2009 Chrysler Sebring 4-door with optional ESC Dodge Avenger with optional ESC Mercedes C class Subaru Legacy Subaru Outback Volkswagen Jetta sedan Volkswagen Passat sedan Volvo C30 SMALL CARS Honda Civic 4-door with optional ESC, except Si Kia Soul Nissan Cube Subaru Impreza except WRX Volkswagen Golf 4-door MIDSIzE SUVs Dodge Journey Subaru Tribeca Volvo XC60 Volvo XC90 SMALL SUVs Honda Element Jeep Patriot with optional side torso airbags Subaru Forester Volkswagen Tiguan To compare ratings for other vehicles, go to www.iihs.org.
  • 5. CHOOSING A CRASHWORTHY DESIGN Structure and restraints are the main aspects of a vehicle’s design that determine its crashworthiness. Good STRUCTURE  means a strong occupant compartment (safety cage), crumple zones to absorb the force of a serious crash, side structure that can manage the force of a striking vehicle or struck object, and a strong roof so it doesn’t collapse in on you in a rollover. Until recently RESTRAINTS included a basic safety belt and frontal airbags. Now there’s more. Crash-activated tensioners reduce belt slack. Force limiters can reduce rib injury risk from the belt itself. The inflation characteristics of advanced frontal airbags are geared to specific crash circumstances. Other airbags protect your head and chest in side impacts. Seats and head restraints are being upgraded to reduce neck injuries in rear crashes. The best way to evaluate a vehicle’s structural design and restraints is in a dynamic test. Based on test performance, a vehicle earns a crashworthiness rating from good to poor. FRONTAL CRASHWORTHINESS Crash testing for consumer information began with the federal government’s New Car Assessment Program of 35 mph FRONTAL CRASHES HEAD ON into a rigid barrier. A demanding assessment of vehicle restraints, this test has led to numerous restraint system improvements. The Insurance Institute for Highway Safety also conducts frontal tests for consumer information. These 40 MPH OFFSET TESTS complement the government tests, spurring improvements in vehicle structure so that now most passenger vehicles earn good ratings. Look for good ratings in both sets of tests. Go to iihs.org/ratings and safercar.gov to find and compare vehicle crashworthiness based on frontal crash tests. Pick a vehicle to buy that has the highest ratings in these tests.
  • 6. SIDE CRASHWORTHINESS The government and the Insurance Institute for Highway Safety rate vehicles based on tests that simulate FRONT-INTO-SIDE  crashes. In both tests, vehicles are struck by a moving barrier, but the barriers differ so that the government test doesn’t assess the risk to people’s heads when their vehicles are struck by high-riding ones. Look for good ratings in both tests, especially the one that assesses head protection in side impacts, and make sure any vehicle you’re thinking of buying has side airbags that protect people’s heads. Studies of real-world crashes indicate that these substantially reduce fatality risk. If side airbags are optional in a vehicle you’re thinking of buying, go ahead and purchase them. Some side airbags also are designed to protect you in a rollover. In the Insurance Institute for Highway Safety’s side crash test, the striking barrier is higher than in the federal government’s test, so it mimics crashes in which occupants’ heads are at risk. Choose a vehicle that earns a good rating in this test. ROLLOVER CRASHES When vehicles roll, their roofs hit the ground and crush. Stronger roofs crush less, so the Insurance Institute for Highway Safety rates roof strength to help consumers pick vehicles that are crashworthy in rollovers. To earn a good rating, a roof must withstand a force 4 times the vehicle’s weight before reaching 5 inches of crush. A roof this strong reduces injury risk in a single-vehicle rollover by about 50 percent, compared with a roof meeting only minimum safety requirements.
  • 7. REAR  CRASHWORTHINESS Compared with front, side, and rollover crashes, rear impacts are less likely to threaten your life. Yet rear-enders occur frequently and often cause neck injuries to people in struck vehicles. Such injuries can be painful and involve costly, long-term consequences. Here’s how the injuries happen: When a vehicle is struck from behind, an occupant suddenly goes forward with the seat. If the head isn’t supported it will lag behind, bending and stretching the neck in a WHIPLASH MOTION.  Vehicle seats and head restraints can be designed to reduce whiplash injuries, so the Insurance Institute for Highway Safety first measures restraint geometry (the higher and closer to the back of the head, the better). If head restraint geometry is at least acceptable, then a simulated rear impact of the seat and restraint together completes the evaluation. Look for vehicles that earn good ratings to minimize neck injury risk in rear-end crashes, but be careful. You’ll have to pay close attention to the seat options. A complication is that vehicles are sold with optional seat packages, so one model may include multiple seat designs that earn different ratings. You’ll have to match the seats in a vehicle you want to buy with the specific rating for that seat package. Before you drive away, check to see if the head restraint Good seat/head restraints needs to be adjusted to fit start with good geometry. The restraints are positioned high behind your head. If it does, and close behind the head. ADJUST IT for good protection. REMEMBER THE BASICS Now that you know how to factor safety into your choice of a vehicle to buy, keep this in mind: Vehicle size matters. So do crash avoidance features and e c ompar crashworthiness ratings. d and r To fin raTings fo es, You don’t have to forego y l safeT ds of vehic gs buying a stylish vehicle re hund hs.org/raT in go To ii ar.g ov to get one that’s safer. aferc and s You can have both.
  • 8. 21st Century Insurance Kemper, A Unitrin Business AAA Mid-Atlantic Insurance Group Kentucky Farm Bureau Insurance AAA Northern California, Nevada, and Utah Liberty Mutual Affirmative Insurance Markel Corporation Agency Insurance Company of Maryland Mercury Insurance Group Alfa Alliance Insurance Corporation MetLife Auto & Home Alfa Insurance Michigan Farm Bureau Insurance Allstate Insurance Group Michigan Insurance Company American Family Mutual Insurance MiddleOak American National Property and Casualty Company MMG Insurance Ameriprise Auto & Home Mutual of Enumclaw Insurance Company Amerisure Insurance Nationwide Amica Mutual Insurance Company Nodak Mutual Insurance Company Auto Club Group Norfolk & Dedham Group Auto Club South Insurance Company North Carolina Farm Bureau Mutual Insurance Company Bituminous Insurance Companies Oklahoma Farm Bureau Mutual Insurance Company Bristol West Insurance Group Old American County Mutual Fire Insurance Brotherhood Mutual Insurance Company OneBeacon Insurance California Casualty Oregon Mutual Insurance Capital Insurance Group Palisades Insurance Chubb Group of Insurance Companies Pekin Insurance Concord Group Insurance Companies PEMCO Insurance Cotton States Insurance The Progressive Corporation COUNTRY Financial Response Insurance Countrywide Insurance Group Rockingham Group Discovery Insurance Company Safeco Insurance Erie Insurance Group Samsung Fire & Marine Insurance Company Esurance SECURA Insurance Farm Bureau Financial Services Sentry Insurance Farm Bureau Mutual Insurance Company of Idaho Shelter Insurance Farmers Insurance Group of Companies Sompo Japan Insurance Company of America Farmers Mutual of Nebraska South Carolina Farm Bureau Mutual Insurance Company Fireman’s Fund Insurance Company State Auto Insurance Companies First Acceptance Corporation State Farm Florida Farm Bureau Insurance Companies Tennessee Farmers Mutual Insurance Company Frankenmuth Insurance Tokio Marine Nichido Gainsco Insurance The Travelers Companies GEICO Group Unitrin Georgia Farm Bureau Mutual Insurance Company USAA GMAC Insurance Virginia Farm Bureau Mutual Insurance Grange Insurance West Bend Mutual Insurance Company Hanover Insurance Group Zurich North America The Hartford High Point Insurance Group FUNDING ASSOCIATIONS Homeowners of America Insurance Company American Insurance Association ICW Group National Association of Mutual Insurance Companies Indiana Farm Bureau Insurance Property Casualty Insurers Association of America 1005 North Glebe Road Arlington, VA 22201 703/247-1500 www.iihs.org