智驾兜底承诺辨析：责任怎么认定？风险如何定价？

Core Viewpoint - Multiple automotive companies are providing safety guarantees for intelligent driving through direct after-sales services or insurance, with BYD recently committing to comprehensive coverage for its "Heavenly Eye" vehicles in smart parking scenarios, sparking industry discussions [1][3]. Group 1: Companies Offering Intelligent Driving Guarantees - At least 10 automotive companies have adopted intelligent driving insurance to cover smart assisted driving, specifying coverage limits and usage conditions [1][2]. - BYD's guarantee for smart parking does not have a coverage limit and does not affect future insurance premiums, unlike other companies that have set maximum compensation amounts [4][5]. - Companies like Changan, Xiaopeng, and Hongmeng have also introduced various forms of intelligent driving insurance, often provided for free in the first year [2][5]. Group 2: Market Context and Consumer Concerns - The rise of intelligent driving insurance is driven by the increasing penetration of smart assisted driving in the automotive market, alongside consumer concerns regarding safety and accident liability [2][3]. - Current intelligent driving insurance is often viewed as a value-added service rather than a standalone insurance product, with companies covering repair and compensation costs [6][7]. - There are significant challenges in defining liability and compensation standards for intelligent driving incidents, particularly in complex driving scenarios compared to simpler parking scenarios [7][8]. Group 3: Future Developments and Regulatory Needs - The insurance industry is expected to evolve with clearer guidelines as the penetration of intelligent driving vehicles increases, necessitating a comprehensive study of the long-term impacts on insurance operations [6][8]. - There is a need for improved legal frameworks to address liability issues in intelligent driving accidents, including data ownership and responsibility [8][9]. - Third-party involvement in intelligent driving insurance is being considered to enhance consumer confidence and clarify liability among manufacturers, insurers, and consumers [9].