| Chapter 1:
Automobile Insurance Airbag Update |
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| Auto dealers and repair shops began installing airbag cutoff switches in vehicles on January 19, 1998 for owners completing a four-step application process through the National Highway Traffic Safety Administration (NHTSA). NHTSA reports that as of October 30, 1999, 57,183 authorizations for on-off switches have been processed for 70,275 switches (driver side and/or passenger side). Of these authorizations, 3,226 were in Ohio (1,613 driver side only, 783 passenger side only, 830 driver and passenger side airbags). | ||||
| Actions leading to the cutoff switch ruling | ||||
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NHTSA began issuing warnings in 1991 regarding the potential risk of airbag injuries, especially to young children. In 1993 information was required on car visors and in owners manuals warning drivers to put rear-facing infant seats in the back seats of vehicles equipped with passenger-side airbags. This information was also required on child safety seats. NHTSA issued final rules on new warning labels in the fall of 1996. The new rules called for highly visible warning labels in all new cars and light trucks by early 1997. The labels contain a clear message stating that an airbag can injure or kill children age 12 and under, that children should always ride in the back seat, and to never put an infant in a rear-facing child safety seat in front of an airbag. These labels are affixed to both sides of sun visors. In addition, new vehicles are required to have a warning label affixed to the center of the dashboard at the time of delivery, which may be removed only by the vehicle owner. Similar warning labels also appear prominently on child safety seats. Federal airbag requirements were phased in over several years. 90% of 1997 model year cars were required to be equipped with airbags, with full compliance beginning with the 1998 model year. Airbags were also required in all 1999 model light trucks and vans. Due to market demand, most automakers exceeded the timetable. In early 1997, NHTSA permitted automakers to depower airbags by 25-30% as an interim solution to smart airbag systems being developed. A report issued in late October, 1999 by NHTSA shows that 1998 model-year passenger side airbags inflate 14% more slowly than 1997 models. The study analyzed the airbags used by nine automakers since 1990. |
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| Cutoff switch requirements | ||||
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The overwhelming majority of Americans and their families should not be affected by the ruling regarding the installation of on-off airbag switches. Most injuries are preventable if drivers and passengers buckle up, with drivers keeping at least 10 inches away from the steering wheel and front seat passengers pushing their seat back as far as possible. To obtain approval for an airbag on-off switch, which is obtained through NHTSA on a case-by-case basis, the following process has to be followed:
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| Liability issue | ||||
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Some repair businesses and auto dealerships have expressed reluctance to install these switches due to potential liability. According to NHTSA, all vehicle manufacturers who are producing on-off switches have agreed to indemnify their dealers for all causes of action other than negligence. Manufacturers will be able to provide the specifics of indemnification. In any case, the switch installer may require a vehicle owner to sign a waiver that releases the business from liability if a switch is installed. As of November 29, 1999, there were 56 Ohio dealerships and repair shops listed on NHTSA's website (www.nhtsa.dot.gov) as facilities that install airbag on-off switches. |
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| Advanced airbag proposal | ||||
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At press time, NHTSA's proposal to upgrade the agency's occupant protection standard to require advanced airbags was under review for comments. The proposal calls for airbags that would protect occupants of different sizes, and minimize risks to infants and young children. The advanced airbags would be required in some new passenger cars and light trucks beginning September 1, 2002 and in all new cars and light trucks beginning September 1, 2005. Advanced airbag technology has been introduced on a limited basis. For example, the 1999 Hyundai Sonata has a weight sensor to prevent the passenger airbag from deploying unless a weight of at least 66 pounds is detected in the seat. The 1999 Acura has a dual stage inflator, as well as the 2000 Ford Taurus and Honda Accord, and some Mercedes and BMW models. |
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| Airbag effectiveness | ||||
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The fact remains that airbags save lives. The information below outlines the latest statistics at close of publishing. Most airbag fatalities are due to driver or passenger error, meaning that the occupant was unbuckled, not properly buckled, placed incorrectly in a car seat or, in the case of some child fatalities, a child was sitting on the front passenger's lap and was too close to the instrument panel at the time of airbag deployment. Airbag risk is minimal if a driver can sit 10-12 inches from the steering wheel. Short-statured drivers should explore additional options. This may include pedal extenders that allow them to sit farther back. Contact the National Mobility Equipment Dealers Association for information at 1-800-833-0427. The AAA also recommends that drivers hold steering wheels at the 9 and 3 o'clock positions, rather than the 10 and 2 positions. The wider hand position reduces the risk of injury to wrists and forearms, or possibly driving them into the face or chest. |
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| Airbag Statistics (As of November 8, 1999) | ||||
Source: Insurance Institute for Highway Safety |
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