Pre-Collision System question

Is the car a recent purchase? I am guessing that you have not put enough miles on it yet to have any confidence that the system will only engage when necessary. Of course no system is fool-proof, but the fact that insurance companies will give you a discount for having the system tells me that it prevents more accidents than it causes. I am a frequent browser of this site and I do not recall anyone having described an instance when the system went into emergency braking mode unnecessarily. I have only seen the red "BRAKE!" alarm once on my car. At that time, I came close to rear-ending someone, but was braking hard on my own and may have avoided the accident anyway without assistance from the car. As an enthusiastic user of Adaptive Cruise Control, however, I have on several occasions been caught by surprise when that system slowed me down too abruptly for my liking when the car ahead was preparing to turn off the freeway and decelerating at a rapid rate. In my experience, that scenario might be more likely to result in an accident, but I still like the other features of the ACC well enough that I continue to use it.

 

Wait, what? Which companies will give you a discount for this? Do they automatically know whether you have this system or not based on the VIN? I have the PPP as well, wondering if I should call up my insurance company and tell them I have it..

 

My experience with the 3rd gen system (not a good as the 4th gen one) is if it starts to slow you just press the accelerator and it cancels the panic. Try it and see if it works the same on the 4th gen. Though there are two systems here, the cruise control and the PCS system. Maybe I should turn PCS back on to gain experience with it. I turned it off shortly after getting the car because according to the owners manual it is not very reliable, as it uses radar data only. The 4th gen also uses the camera to confirm danger.

 

I looked at the policy for our car and I don't see any discount that is specifically attributable to the car having an Emergency Braking System. When I was talking to the insurance company's rep, I remember she had mentioned that my premium would be lower since the car had standard safety features that the older models did not. It is possible that this is merely a talking point that is part of her sales spiel, given what I read in the following article:

INSURANCE: New Safety Equipment Could Raise Your Premiums, Here's Why | BestRide

In the Discounts Applied section of our policy (screen shot attached), I do see a line for "New Vehicle" and another one for "Hybrid Vehicle". These "discounts" might be calculated based on the make and model having certain standard safety equipment (but then again, it might be part of their strategy for enticing new customers, since amounts for each discount are not shown). In general, I am satisfied with what I am paying for the level of coverage I have from this particular company. If you are interested in knowing the company name, I can send a private message.