Personal Injury Protection: Five highest, lowest claim frequencies

The Insurance Institute for Highway Safety gathers a ton of helpful and intriguing information each year. Case in point is the set of statistics below. These are the best and worst vehicles for personal injury protection coverage, for the model years 2011-13.

As Russ Rader, spokesman for the IIHS explains, personal injury protection covers injuries to you and your passengers, regardless of fault. “These lists show the costliest and the least costliest of the insurance claims and frequency of those claims.” Although collision claims rather than injury claims are the biggest driver of what consumers may pay for insurance, this information is helpful for people looking at the real-world safety of vehicles.

Those 2011-13 model vehicles with the lowest claim frequency—personal injury protection—are:

• Chevrolet Corvette convertible
• Chevrolet Corvette 2 dr
• Ford Mustang Shelby GT500 2 dr
• GMC Sierra 2500 ext. cab 4WD
• Lexus LX 570 4dr 4WD

Those vehicles with the highest claim frequency are:

• Suzuki SX4 2WD
• Nissan Versa
• Mitsubishi Lancer 2WD
• Kia Forte
• Hyundai Accent

As Rader explains, “It’s physics 101. The common denominator among vehicles that have the highest losses—a lot of smaller, sportier vehicles.”

—By CarSoup.com Editors