BMWs with Driving Assistance Plus drew fewer insurance claims

HLDI found that claim frequencies for 2013-17 BMWs with Driving Assistance Plus were 7.3% lower for collision, 26.1% lower for property damage and 29.2% lower for injury liability.

  • 5 society

    Across insured 2013-17 BMWs, vehicles with the package had lower frequencies of collision, property damage and bodily injury claims, a change documented across a population. An IIHS researcher later found no statistically significant crash reduction from Driving Assistant Plus beyond lane departure prevention.

Depth runs from 1, a convenience or time saved, to 5, a life or a livelihood preserved.

Status
Reported benefit.
Evidence

foundstudiedreportedclaimed

An independent research report supports the benefit.

Compared with

Vehicles of the same series and model years without any of the front crash prevention features. Measured.

The system’s part
HLDI compared the claim rates of vehicles with and without the package within the same series and model years, which isolates the package's association with claims. It could not separate the features in the package. The bulletin describes cameras and radar but not the recognition software, and it does not show that the system learns from data.
Limits
Not yet checked.
Costs and harms
Not yet checked.
Later
Challenged, 1 July 2024. In July 2024, IIHS researcher Jessica Cicchino found that 2013-17 BMWs with Driving Assistant Plus had no statistically significant drop in police-reported crash rates compared with BMWs that had lane departure prevention alone.

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Benefit type
Increased Product Safety
System
Driving Assistance Plus package (active cruise control, automatic emergency braking, forward collision warning, lane departure warning, front cross-traffic alert and lane-steering assistant), 2013-17 BMW models
Made by
BMW
Used by
BMW (optional package on 2013-17 BMW models insured in the United States)
Where
United States
Stage
In routine use
Date
, when the source was published
Kind
Aggregate result
Broad benefit
Operating Vehicles, Mechanized Devices, or Equipment, Identifying Objects, Actions, and Events
Collections
Scrutiny and findings, Cross-border records
Last revised
31 October 2026

Sources

  1. Peer-reviewed study, by authors with no tie to the system. Context or contrary evidence.

    Cicchino JB. Convenience or safety system? Crash rates of vehicles equipped with partial driving automation. Traffic Injury Prevention, July 2024 (abstract on the IIHS bibliography page). The author works at the Insurance Institute for Highway Safety. It adds a material limitation. For 2013-17 BMWs, the author found no statistically significant crash reduction from Driving Assistant Plus beyond lane departure prevention alone.

    Equipment with BMW's Driving Assistant Plus was not associated with significantly lower crash rates than equipment with LDP alone.

  2. Report, by authors with no tie to the system.

    Highway Loss Data Institute. 2013-17 BMW collision avoidance features. HLDI Bulletin Vol. 36, No. 37, December 2019.

    The most advanced Driving Assistance Plus package includes the features in the Driving Assistance package as well as front cross-traffic alert and lane-steering assistant. This package also showed large benefits under all coverages, and the results for collision, PDL, and BI were statistically significant.

Details

AI system

Workflow

BMW supplied HLDI with the identification numbers of vehicles built with each feature. A camera near the rearview mirror controlled automatic braking, and a stereo camera with radar sensors fed the lane-steering assistant. HLDI compared claims per insured vehicle year with vehicles of the same series and model years without the features.

Follow-up

Conditions for replication

Drivers keep the features switched on. The lane-steering assistant needs lane markings that it can recognize on both sides.

Entry details

Sector

Road vehicle crash avoidance.

Purpose

BMW built the Driving Assistance Plus package to warn drivers of collisions, brake automatically and assist with speed and steering.

Not yet checked: model, release, provider, role, configuration, inputs and outputs, autonomy, human oversight, beneficiaries, reach, distribution and access, duration, every measurement question, every money question, ownership and control, dependencies, cross-border connections, geopolitical implications, replication attempts, availability, institutional decision, grounds, action and result, success criterion, every evidence question, observed or intended, alternative assessments, related entries, other identifiers, category mappings.

Cite this record

Peter H. Vartanian. (2026). BMWs with Driving Assistance Plus drew fewer insurance claims (AIBD-0875). Artificial Intelligence Benefits Database, edition of 31 October 2026. https://petervartanian.xyz/aibd/records/AIBD-0875.html (archived at https://doi.org/10.7910/DVN/AADSII, version 4.0)

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