Cars Blog

Finance Blogs » Cars Blog » How a 10 mph crash can cost you $9,867

How a 10 mph crash can cost you $9,867

By Claes Bell ·
Wednesday, December 8, 2010
Posted: 8 am ET

Ever been in a car and felt like you were looking up at an SUV or truck's bumper, it was so high? Those sky-high bumpers could cost you big money in an accident. This month, the Insurance Institute for Highway Safety released results of a series of crash tests showing what happens when SUVs and cars from the same manufacturer collide in a 10 mph rear-end crash.

Misaligned bumpers cause thousands of dollars worth of damage, even at only 10 mph (photo courtesy of IIHS)

Misaligned bumpers cause thousands of dollars worth of damage, even at only 10 mph (photo courtesy of IIHS)

The results weren't good for either vehicle type. As you can see in the photo, when the cars rear-ended the SUVs, their front bumpers tended to dive under the SUV bumpers, damaging the cars' front bodywork, cooling systems and lights, rather than bouncing harmlessly off the SUVs' bumpers. When the SUVs rear-ended the cars, their bumpers tended to push up and over the car bumpers, damaging the SUVs' radiators and the cars' bodies.

The most expensive SUV-to-car collision was between a Nissan Rogue and a Nissan Sentra. The Sentra sustained $4,4560 worth of damage, suffering a crumpled bumper cover, trunk lid and rear body. The Rogue, on the other hand, had $2,884 worth of damage, including a busted radiator that made it undriveable, for a grand total of $7,444 between the two vehicles.

The Toyota Corolla and RAV4 had the worst car-to-SUV crash, with $9,867 worth of damage:

"The RAV4's so-called bumper is really just a stamped piece of sheet metal supporting the bumper cover," says Joe Nolan, IIHS chief administrative officer. "So instead of engaging a strong bumper, the striking Corolla hit the spare tire mounted on the RAV4's tailgate. The spare isn't designed to absorb crash energy, so it damaged the Corolla’s hood, grille, headlights, air conditioner, and radiator support and crushed the RAV4's tailgate and rear body panels."

Ouch. For the complete list of how the SUV-car pairs did in the crash testing, check out the IIHS' press release.

So why are SUVs and light trucks, which made up 51.5 percent of vehicles sold between 1998 and 2008, according to NADA, allowed to have bumpers that don't line up with cars? The National Highway Traffic Safety Administration, or NHTSA, has resisted calls from the IIHS and other advocates to change the requirements, because they say lowering SUVs' bumpers would hurt the vehicles' ground clearance, a key factor in determining a truck or SUV's off-road abilities.

That may be true, but you can't look at a Nissan Rogue and tell me it's going to get significant off-road use -- it's basically a more upright version of the Nissan Sentra. Fact is, crossovers have higher bumpers for styling reasons, not because they need to be able to clear a boulder without scraping a bumper.

It may be time to lump the crossover trucks and SUVs in with the cars, acknowledging the reality they're not meant to be used off-road, and leave the work trucks and off-roading SUVs with real truck chassis in the higher bumper category. I know it might make crossovers not look quite as SUV-like if they have to lower their bumper a few inches, but that seems like a small price to pay to avoid the routine waste of thousands of dollars.

After all, if those crossovers want to be driven primarily on-road, they're going to have to learn to play nice with cars, and not cause nearly $10,000 worth of damage in a 10 mph accident.

Ready for a new car? Compare auto loan rates and save.

Bankrate wants to hear from you and encourages comments. We ask that you stay on topic, respect other people's opinions, and avoid profanity, offensive statements, and illegal content. Please keep in mind that we reserve the right to (but are not obligated to) edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused.

By submitting a post, you agree to be bound by Bankrate's terms of use. Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices.
December 09, 2010 at 1:24 pm

I can TOTALLY attest to all of this! I was in an accident on Nov 1. I was driving a Nissan Murano and rear ended one of the oversized Ford pick up trucks that also had a tow hitch. We started from a complete stop, started going and then he slammed on his brakes. I did not even have a chance to GET to 10 mph. That tow hitch was in just the right spot to literally cave in the front end of my car, crack the exhaust fan, and crack the radiator. Took out the head lights too. Total damage to my car was about $4000 and it was out of commission for about 2 weeks.

Krystal Kid
December 08, 2010 at 12:51 pm

I got one of these from for my SUV.  It lines up better with passenger cars, saves my bumper and reduces whiplash if I'm hit from the rear.

December 08, 2010 at 12:20 pm

There is an easy answer to why it cost so much. Cars do not have bumpers! Look at the picture of the sedan and suv! you call that a bumper? To mean, modern bumpers are just for looks. The front and back of the car (bumpers if you really want to call them that) barely comes out a few inches from the car and they are molded with the rest of the body. Decades ago, bumpers were actually made out of material that can withstand a "bump" and were separate from the body so it can be replace easier.

Bring back the rubber and metal bumpers please!