Auto insurance has always been called a "safe haven" for related risks, but it is still in a "vacuum zone".
Nowadays, vehicles equipped with L2-class auxiliary driving function are selling well in the market, and vehicles equipped with L3-class conditional automatic driving system have also been listed. In several regional intelligent networked automobile demonstration zones, L4-class self-driving taxis are undergoing demonstration operation. However, the insurance supporting automatic driving has not kept up in time, which will restrict the development of automatic driving.
According to the investigation on the causes of motor vehicle collision in the United States, the main causes of vehicle collision accidents are drivers, vehicles, environment and unknown factors, among which drivers account for 94%. Under the condition of autonomous driving technology, the main risks of automobiles are transformed into network security risks, software algorithm risks and public infrastructure risks.
As a result, the subject and scope of responsibility for the risk of self-driving cars have changed accordingly, and the corresponding claim object, responsibility distribution, rate determination and insurance clauses have also changed. These are the contents that need to be studied and designed for self-driving "new auto insurance".
In foreign countries, automatic driving insurance has started. Domestic related enterprises and places are also exploring the auto-driving insurance business. With the rapid evolution of technology and the continuous expansion of demonstration operation scope, it is time to introduce autonomous driving exclusive insurance.
Whether it is specialized research, learning from foreign experience, or attempts at local and enterprise levels, it should be deepened continuously, which is an inevitable requirement brought by the reality of the development of autonomous driving. Only by firmly building the "dam" of insurance can we promote the development of autonomous driving to a high-speed road and a new level.