穿过“人机共驾”定责迷宫 “智驾险”离真保险还有多远

Core Viewpoint - The emergence of "smart driving insurance" (智驾险) is a response to the growing concerns of car owners regarding liability in accidents involving advanced driver-assistance systems (ADAS) [1][3][10] Group 1: Smart Driving Insurance Overview - Various brands, including Xiaopeng Motors and Xiaomi, are offering "smart driving insurance" as a supplementary service, which provides compensation in case of accidents while using ADAS features [2][5] - The insurance-like products are not officially recognized as insurance by regulatory bodies and are primarily backed by the car manufacturers rather than traditional insurance companies [3][7] - Current ADAS technology is primarily at Level 2, with Level 3 still under development, complicating liability determination in accidents [1][10] Group 2: Market Dynamics and Consumer Perspective - Consumers are often required to purchase traditional insurance before being eligible for "smart driving insurance," which may increase their financial burden without providing significant additional coverage [4][5] - The lack of true insurance products for smart driving means that consumers have limited options and must rely on the offerings of car manufacturers [4][10] Group 3: Role of Insurance Companies - Insurance companies are involved in the design and risk assessment of these products, even though they do not directly handle claims [7][8] - The collaboration between car manufacturers and insurance companies aims to build trust in smart driving technologies and prepare for future insurance products as the market evolves [8][10] Group 4: Future of Smart Driving Insurance - The potential for "smart driving insurance" to evolve into a standalone insurance product exists, but it requires resolution of issues related to liability recognition, data security, and pricing [10][11] - Industry experts suggest that legislative frameworks and standards need to be established to clarify responsibilities and facilitate the development of appropriate insurance products for smart driving [10][11]