American Association of State Compensation insurance Fund
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member fund.

CopperPoint Mutual Insurance Company
Phone: (602) 631-2000
Address: 3030 North Third Street
Phoenix, AZ   85012

State Compensation Insurance Fund
Address: 333 Bush Street
Suite 800
San Francisco, CA   94104

Pinnacol Assurance
Phone: (303) 361-4000
Address: 7501 East Lowry Boulevard

Denver, CO   80230-7006

Hawaii Employers' Mutual Insurance Co. Inc.
Phone: (808) 524-3642
Address: 1100 Alakea Street
Suite 1400
Honolulu, HI   96813

Idaho State Insurance Fund
Phone: (208) 332-2100
Address: 1215 West State Street
P.O. Box 83720
Boise, ID   83720-0044

Kentucky Employers Mutual Insurance
Phone: (859) 425-7800
Address: 250 West Main Street Suite 900

Lexington, KY   40507-1724

Louisiana Workers' Compensation Corporation
Phone: (225) 924-7788
Address: 2237 South Acadian Thruway

Baton Rouge, LA   70808

Maine Employers Mutual Insurance Company (MEMIC)
Phone: (207) 791-3300
Address: 261 Commercial Street
P.O. Box 11409
Portland, ME   04104

Chesapeake Employers’ Insurance Company
Phone: (410) 494-2000
Address: 8722 Loch Raven Boulevard

Towson, MD   21286-2235

SFM Mutual Insurance Company
Phone: (952) 838-4200
Address: 3500 American Boulevard West Suite 700

Bloomington, MN   55431-4434

Missouri Employers Mutual Insurance
Phone: (800) 442-0590
Address: 101 N Keene St

Columbia, MO   65201

Montana State Fund
Phone: (406) 495-5015
Address: 855 Front Street
P.O. Box 4759
Helena, MT   59604-4759

New Mexico Mutual Group
Phone: (505) 345-7260
Address: 3900 Singer Boulevard NE

Albuquerque, NM   87109

New York State Insurance Fund
Phone: (212) 312-7001
Address: PO Box 66699

Albany, NY   12206

Workforce Safety and Insurance
Phone: (701) 328-3800
Address: 1600 East Century Avenue Suite 1

Bismarck, ND   58506-5585

Ohio Bureau of Workers Compensation
Phone: (800) 644-6292
Address: 30 West Spring Street

Columbus, OH   43215-2256

CompSource Mutual Insurance Company
Phone: (405) 232-7663
Address: 1901 North Walnut Ave.
P.O. Box 53505
Oklahoma City, OK   73152-3505

State Accident Insurance Fund (SAIF)
Phone: (503) 373-8000
Address: 400 High Street SE

Salem, OR   97312-1000

Pennsylvania State Workers Insurance Fund
Phone: (570) 963-4635
Address: 100 Lackawanna Avenue
P.O. Box 5100
Scranton, PA   18505-5100

Beacon Mutual Insurance Company
Phone: (401) 825-2667
Address: One Beacon Centre

Warwick, RI   02886-1378

South Carolina State Accident Fund
Phone: (803) 896-5800
Address: P.O. Box 102100

Columbia, SC   29221-5000

Texas Mutual Insurance Company
Phone: (800) 859-5995
Address: 6210 East Highway 290

Austin, TX   78723-1098

Workers Compensation Fund
Phone: (800) 446-2667
Address: 100 West Towne Ridge Parkway
P.O. Box 2227
Sandy, UT   84070

Washington Department of Labor and Industries
Phone: (360) 902-5800
Address: P.O. Box 44001

Olympia, WA   98504-4001

Wyoming Division of Workers Safety & Compensation
Phone: (307) 777-7159
Address: Cheyenne Business Center
1510 East Pershing Boulevard
Cheyenne, WY   82002

Workers Compensation Board - Alberta
Phone: (780) 498-3999
Address: 9925-107 Street
P.O. Box 2415
Edmonton, AB   T5J 2S5

Workers Compensation Board of British Columbia (WORKSAFEBC)
Phone: (604) 273-2266
Address: P.O. Box 5350 Station Terminal

Vancouver, BC   V6B 5L5

Manitoba Workers Compensation Board
Phone: (204) 954-4321
Address: 333 Broadway

Winnipeg, MB   R3C 4W3

Phone: (506) 632-2200
Address: 1 Portland Street
P.O. Box 160
Saint John, NB   E2L 3X9

Workers Compensation Board of Nova Scotia
Phone: (902) 491-8999
Address: 5668 South Street
P.O. Box 1150
Halifax, NS   B3J 2Y2

Prince Edward Island Workers Compensation Board
Phone: (902) 368-5680
Address: 14 Weymouth Street

Charlottetown, PE   C1A 7L7

Saskatchewan Workers Compensation Board
Phone: (306) 787-4370
Address: 200 - 1881 Scarth Street

Regina, SK   S4P 4L1

Puerto Rico State Insurance Fund Corporation
Phone: (787) 793-5959
Address: G.P.O. Box 365028

San Juan, PR   00936-5028
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AASCIF Newsletter

Collision Avoidance Technology

By Timothy B. Wilson, CSP, Safety and Risk Services Regional Manager
Missouri Employers Mutual

Collision avoidance technology (CAT) is a hot topic in workers’ compensation circles. The reason is obvious and is supported by a recent analysis of claims data pooled from six AASCIF members. Motor vehicle accidents (MVA) are a significant loss driver. In fact, during the timeframe in question (2013–2015) injury causes directly related to MVA accounted for $549,000,000 in losses. A truly staggering sum that pales in comparison to the pain and suffering endured by the injured workers and their families. So it should be no surprise that CAT remains a topic of keen interest. We are losing far too many lives and far too much money to MVA.

So what exactly is CAT? It is a collection of safety systems designed to prevent or mitigate MVA. Common systems include:

Adaptive cruise control
Adaptive headlights
Blind-spot monitoring and assist
Forward-collision warning
Lane departure warning
Lane departure assist
Lane sway warning
Pedestrian detection and braking.
Pre-collision / automatic braking
Pre-collision throttle mgmt.
Rear cross-traffic alert
In-vehicle monitoring systems (IVMS)*

The first 11 systems listed serve specific purposes and can be effective, but they are purely reactive. Additionally, the argument can be made that they actually make it easier for the driver to be distracted. For example: if the driver veers too close to the center line then the lane departure assist nudges the vehicle back to center lane; if the vehicle in front of you slows below your set speed, the adaptive cruise control will automatically slow your vehicle and maintain a safe distance. Last on the list, IVMS, is very different in that it is predictive and provides the driver and supervisor with leading indicator metrics.

IVMS can be broken into two basic types.

Simple Systems monitor and report on metrics such as speeding, rapid acceleration, hard braking, and seat belt usage, each of which can identify trends associated with risky behaviors that increase the probability of MVA. Unfortunately, these leading indicators are too often not getting to the root cause of most crashes.

Sophisticated Systems include the simple IVMS metrics as well as use of smartphones and/or cameras inside vehicles to monitor drivers for signs of fatigue and distraction.

Far too often, speeding, rapid acceleration, and the like are not the root cause but rather symptoms of fatigue, or more likely distraction. This claim is based on numerous studies conducted by auto insurers, who have a vested interest in determining the root causes of MVA. These studies have revealed disturbing facts:

  • Smartphones are the main source of distraction.
  • The average driver spends 12% of every trip on a smartphone. That is 7.2 minutes of every hour driven.
  • Every day, eight fatalities and 1,100 injuries occur due to distracted driving.
  • So what are AASCIF members doing with regard to CAT?
  • Texas Mutual began retrofitting its fleet vehicles with IVMS in 2015.
  • Missouri Employers Mutual (MEM) began replacing fleet vehicles with models containing CAT. Subaru was chosen due to the strong track record of its EyeSight Driver Assist Technology.
  • A survey of AASCIF members found internal fleets to average 85 vehicles, 114 drivers, and 1.2 million miles driven per year, but only 37% utilize CAT. Of those members using CAT, none had developed policies prohibiting the disengaging of systems, and only one provided drivers with CAT training.
  • AASCIF has partnered with Cartasite to provide members and their policyholders with an IVMS at a discounted price.

What is the future of CAT? The systems that constitute a comprehensive suite have generally solidified around those listed earlier. These systems have not been perfected, and continued improvement can reasonably be expected. If we look a little further into the future, the convergence of two emerging technologies—CAT and Artificial Intelligence (AI)—is likely to change the MVA conversation in a significant way. Both are needed for autonomous vehicles to begin replacing the human driven fleet. This is likely to happen before the end of many of our careers, as evidenced by the following:

  • California has granted 27 licenses to test autonomous vehicles on public roads. There are 180 autonomous cars traversing California.
  • Self-driving tractor-trailers have successfully made deliveries in both the United States and Europe.
  • Daimler AG has produced the first road-approved autonomous truck.
  • The 2018 Cadillac CT6 will introduce GM's Super Cruise technology (a hands-free highway driving platform that incorporates a driver attention system).
  • NVIDIA and Bosch are introducing an AI platform for level-4 autonomous driving in 2018.
  • Ford plans to bring level-4 self-driving vehicles to market by 2020 and offer fully autonomous vehicles for commercial ride-sharing by 2021.
  • The Uber fleet is projected to be driverless by 2030.
  • NuTonomy will introduce a self-driving taxi service in Singapore in 2018 and in an additional 10 cities by 2020.
  • Forbes conservatively predicts 10 million autonomous cars on the road by 2020 and that 1 in 4 will be self-driven by 2030.

This revolution will profoundly disrupt the relationship between insurers and the transportation industry by improving safety performance and prompting a reduction in force. The Bureau of Labor Statistics estimated 3.4 million professional drivers in the United States, most of which are vulnerable to automation. Parallels can be drawn between the implementation of an autonomous fleet and the industrial revolution. Suffice it to say this is a paradigm shift that needs to be recognized and planned for. During the interim it remains incumbent upon AASCIF members to address this exposure with the tools available, including CAT.



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