“人机共驾”再次进阶 智驾险仍徘徊“兜底服务”阶段

Core Insights - The evolution of intelligent driving technology is leading to a revolution in transportation, with the recent approval of China's first L3-level vehicle licenses marking a significant step towards the commercialization of L3-level autonomous driving [1] - The L3-level "conditional automation" introduces a shift in driving responsibility from human to machine, raising concerns about system reliability, algorithm decision-making, and sensor performance [1] - The current market offerings labeled as "intelligent driving insurance" are primarily safety net solutions provided by automakers or intelligent driving solution suppliers, rather than genuine insurance products [1][2] Group 1: Market Developments - Since 2025, there has been a notable increase in insurance products related to assisted and intelligent driving, with companies like Xiaopeng Motors and GAC Group launching their own intelligent driving protection plans [2] - Xiaopeng Motors offers a "smart driving insurance" for 239 yuan per year, which provides compensation for accidents caused during the use of their intelligent driving features [2] - Other new energy vehicle manufacturers are also collaborating with insurance companies to provide supplementary coverage tailored to intelligent driving scenarios, often embedded as value-added services in the car purchase experience [2] Group 2: Insurance Industry Challenges - The design and risk control of these insurance products heavily rely on insurance companies, which are currently not offering true intelligent driving insurance to individual consumers [3][5] - The core data necessary for accurate risk assessment is largely monopolized by automakers, making it difficult for insurance companies to access critical information needed for pricing and claims [4][5] - The complexity of liability in human-machine driving scenarios poses significant challenges, as existing traffic safety regulations are based on human drivers, and the transition to L3-level automation complicates responsibility allocation [5][6] Group 3: Future Directions - To effectively implement intelligent driving insurance, collaboration across various sectors is essential, including regulatory frameworks, data governance, and industry cooperation [7] - Recent policy signals indicate a push for the insurance industry to adapt to the impacts of intelligent driving, with a focus on evolving risk assessment and pricing models [7][8] - Experts emphasize the need for clear definitions and regulations surrounding intelligent driving insurance, including liability recognition and data security, to ensure transparency and protect consumer rights [8]