Workflow
从兜底承诺到法律现实:智驾责任划分待解

Core Insights - BYD has announced a comprehensive safety and loss coverage for all "Tian Shen Zhi Yan" vehicle users in the Chinese market under smart parking scenarios, promising no impact on next year's insurance premium rates [1] - The commitment highlights a smart parking experience comparable to Level 4 automation, as defined by the 2022 "Automotive Driving Automation Classification" standard [1][2] Group 1: Industry Trends - Prior to BYD's announcement, several automakers had already introduced similar insurance products known as "smart driving insurance" [3] - For instance, Avita launched a service with a maximum coverage of 6 million yuan for accidents occurring during smart parking assistance [3] - Xiaopeng Motors also introduced a service with a one-year fee of 239 yuan, offering up to 1 million yuan in compensation for smart driving accidents [3] Group 2: Responsibility and Liability Issues - The introduction of "smart driving insurance" raises complex issues regarding liability and responsibility in the event of accidents [4][5] - Automakers' commitments essentially shift accident liability from drivers to technology providers, but the reality of responsibility is more complicated [5] - Current mainstream autonomous driving systems are primarily below Level 2, requiring driver intervention, yet marketing often leads to overconfidence in the technology [5] Group 3: Regulatory and Legal Perspectives - The Ministry of Emergency Management and the Ministry of Public Security have stated that drivers remain the ultimate responsible parties for driving safety [6] - They emphasize that smart driving systems are still in the assisted driving phase and cannot fully replace human judgment [6] - Industry experts suggest that automakers should be more cautious and clear about the scope of their coverage and liability when offering such policies [6]