Big and tall vehicles are the bulls in the china shop of the contemporary motoring scene.
The list of 2014 vehicles that cause the most property damage, just released by Insure.com, is proof: It comprises massive pickup trucks and larger sport-utility vehicles. The common element in all these vehicles is a bumper that does not match up with the bumpers found on passenger cars.
Workhorses like the Ford F-250 pickup truck and large SUVs like the Infiniti QX80 generate the biggest property damage claims and thus the heftiest liability insurance bills of the 750-plus 2014 model-year vehicles analyzed by Insure.com in its annual
car insurance comparison study
Rates for the property-damage liability portion of your auto insurance policy are generally a reflection of claims made against other owners of the same kind of vehicle. Property-damage liability coverage pays when you damage someone else's car or property.
Worst vehicles for property damage claims These vehicles carry the biggest liability bills, and thus are likely to inflict the most property damage:
- Ford F-250
- GMC Sierra 2500
- Ford F-350
- Ram 1500
- Infiniti QX80
- Dodge Durange
- Toyota Tundra
- Jeep Grand Cherokee
- Cadillac Escalade
- Chevrolet Silverado 1500
Source: Insure.com. See the methodology of our annual car insurance rates study.
Bumper to bumper, or not
Why the mismatch between bumper heights of different vehicles?
"The main problem is that the federal government sets minimum bumper performance requirements for passenger cars, but these regulations don't apply to vans, SUVs or pickups," says Russ Rader, spokesperson for the Arlington, Va.-based Insurance Institute for Highway Safety (IIHS).
Even though the requirements for cars are weak, they do ensure that cars are equipped with bumper systems that generally line up with each other in crashes, some 16 to 20 inches above the ground, Rader says. Pickup and SUV bumpers are higher than that level.