LOSS CONTROL DATA GUIDE
Commercial Motor Vehicle Accident
Frequency Rates
A
ccident frequency rates are used to measure how often motor vehicle accidents are occurring.
This is one of the most reliable statistics for forecasting future accident experience. Unless
there is a positive action by management, what has happened in the past will continue to happen.
Frequency rates are computed as follows:
(NUMBER OF ACCIDENTS X 12)
VEHICLE ACCIDENT FREQUENCY RATE =
=
NUMBER OF ACCIDENTS PER YEAR
(NUMBER OF VEHICLES X NUMBER OF MONTHS IN PERIOD COVERED)
The total number of vehicles should include only power units (automobiles, trucks, tractors) and
not trailers.
The following table indicates the average accident frequency rates for various types of commercial
fleet operations. This data was compiled as a result of a recently-completed insurance industry
study of commercial motor vehicle accidents.
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LOSS CONTROL DATA GUIDE continued
Commercial Fleet Accident Frequency Rates
CLASS
RURAL
Average of All Risks*
Ash & Garbage Removal
Bakeries
Bottlers–Non-Alcoholic
Bottlers–Alcoholic
Building Supplies & Materials
Canneries
Cleaners & Dryers
Concrete Mixer or Redi-Mix
Contractors–General
Contractors–Repair & Service
Contractors–Street & Road
Dairies–Not House-to-House
Dairies–House-to-House
Department Stores
Diaper Sevice
Excavating
Feed, Grain, Hay Dealers
Frozen Food
Fruit, Vegetable–Retail
Fruit, Vegetable–Chain
Fruit, Vegetable–Local
Fuel, Coal, Ice Dealers
Junk, Metal, Rag, Waste Paper
Laundries
Local Truckmen
Local Truckmen–Dump Truck
Logging & Lumbering
Lumber Dealers or Companies
Magazine & News Dealers
Manufacturing Noc
Meat Packer–Wholesale Grocery
Mining–Quarrying
Passenger
Pipeline Contractor (Excluding Gas or Oil Pipe)
Political Subdivisions
Retail Stores
Sand & Gravel
Structural Iron or Steel Mfgrs., Dealers, Contractors
Taxi Cab
Utilities
Wholesale Stores
FREQUENCY RATE
HIGH EXPOSURE
CITY
CITIES**
.19
.53
.29
.36
.33
.25
.23
.25
.30
.18
.13
.18
.30
.33
.34
.30
.27
.16
.36
.23
.46
.36
.29
.28
.30
.40
.40
.11
.25
.40
.34
.44
.11
.13
.18
.16
.27
.27
.29
.37
.13
.36
.25
.70
.39
.47
.43
.33
.31
.33
.40
.24
.18
.24
.40
.43
.45
.40
.35
.22
.47
.31
.61
.47
.39
.38
.40
.53
.53
.15
.33
.53
.45
.58
.15
.15
.24
.22
.35
.35
.39
.49
.18
.47
.41
1.20
.67
.80
.74
.57
.53
.57
.68
.41
.30
.41
.68
.74
.77
.68
.60
.37
.80
.53
1.04
.81
.67
.63
.68
.90
.90
.25
.57
.90
.77
.99
.25
.23
.41
.37
.60
.60
.67
.85
.30
.80
NOTE: Long Haul average frequency rate is .35 on a national basis.
*Use these frequency rates when business type does not fit one of the listed classes.
** High exposure cities include: Baltimore, Boston, Chicago, Dallas/Ft. Worth, Detroit, Hartford, Houston, Nashville, Newark,
New York, Philadelphia and Washington, D.C.
The loss prevention information and advice presented in this brochure are intended only to advise our insureds and their managers of a variety of methods and strategies based on
generally accepted safe practices, for controlling potentially loss producing situations commonly occurring in business premises and/or operations. They are not intended to
warrant that all potential hazards or conditions have been evaluated or can be controlled. They are not intended as an offer to write insurance coverage for such conditions or
exposures, or to imply that Great American Insurance Company will write such coverage. The liability of Great American Insurance Company is limited to the specific terms,
limits and conditions of the insurance policies issued.
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