The presence of front and side airbag systems can be linked to fewer significant injuries, resulting in lower claim costs. A new study by the Insurance Research Council (IRC) examined the type of passenger restraint system found in insured vehicles in a sample of 2007 closed auto injury insurance claims, and looked at differences in the extent of injuries and subsequent claim payments.
Claimants injured in vehicles with front and side airbags were less likely than those in vehicles with seatbelts only, or seatbelts and front airbags only, to have serious injuries, receive hospital treatment or experience a period of disability or fatality. As a result, airbag systems were associated with markedly lower injury claim costs.
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