“人机共驾”再进阶，保险如何跟进？

Group 1 - The Ministry of Industry and Information Technology has officially announced the first batch of L3-level vehicle access permits in China, marking a significant step towards the commercialization of L3-level autonomous driving [1] - The L3-level "conditionally automated driving" mode introduces a "human-machine transfer" of driving responsibility, shifting the focus of risk to system reliability, algorithm decision-making, and sensor performance [1] - New insurance demands are emerging around intelligent driving, but existing regulations and traditional insurance models are not yet equipped to address these needs [4][5] Group 2 - Several companies, including Zhaoyu Technology, GAC Group, Xiaopeng Motors, and Xiaomi Motors, have launched intelligent driving insurance plans, with Xiaopeng offering a "smart driving insurance" for 239 yuan per year [2] - Current intelligent driving insurance products are often not independently underwritten by insurance companies but are instead backed by car manufacturers, making them more of a value-added service than a regulated insurance product [2] - The insurance industry has yet to open intelligent driving insurance to individual consumers, focusing primarily on new energy vehicle insurance [2][4] Group 3 - The development of intelligent driving insurance faces challenges such as responsibility determination and data deficiencies, as current traffic safety regulations are based on human drivers [4][5] - Experts suggest that collaboration among various stakeholders, including regulatory frameworks, data governance, and industry cooperation, is essential for the successful establishment of intelligent driving insurance [5][6] - The Financial Regulatory Bureau and the Ministry of Industry and Information Technology have called for a comprehensive study on the long-term impacts of intelligent driving and rapid vehicle iteration on the insurance industry [6]