What is an EGR Factor?

When a new automobile model comes out it has no "history" as to crash-worthiness, likelihood of being stolen, or the likelihood of occupants' injuries exceeding the norm. As the vehicle develops a history within the insurance industry that results in a factor. Let's say that 1.00 is the norm and the 2008 Anycar is experiencing a 5% larger occurrence in occupant injuries and a 5% higher level of damage when compared to similar vehicles. You may the see an EGR Factor adjustment to Bodily Injury, Personal Injury and other coverage and an adjustment to the physical damage coverage (collision). You could experience a 5% rate increase while keeping the exact same vehicle. Good to know.