“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 emergence of "intelligent driving insurance" products has been noted, but these are primarily safety nets provided by automakers rather than true insurance products [1][2] Group 1: Intelligent Driving Insurance Landscape - Since 2025, there has been a notable increase in insurance products related to assisted and intelligent driving, with companies like Xiaopeng Motors offering "intelligent driving insurance" for an annual fee of 239 yuan [2] - Many of these insurance products require customers to first purchase traditional insurance before accessing additional coverage for intelligent driving scenarios, indicating a trend towards bundled services [2][3] - Current "intelligent driving insurance" products are largely backed by automakers rather than traditional insurance companies, often serving as value-added services rather than independent insurance offerings [3] Group 2: Challenges in Insurance Development - The lack of access to critical driving data held by automakers poses a significant challenge for insurance companies in developing true intelligent driving insurance products [5] - The complexity of responsibility in "human-machine co-driving" scenarios complicates the establishment of clear liability standards, as traditional insurance models are based on human drivers [5][6] - The need for high-quality, standardized data for accurate risk assessment is emphasized, with current data being monopolized by automakers, making it difficult for insurers to evaluate risks effectively [4][5] Group 3: Regulatory and Collaborative Efforts - There is a call for collaborative efforts among insurers, automakers, and technology companies to create a new ecosystem that addresses regulatory frameworks, data governance, and industry cooperation [6][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 [6][7] - Experts suggest the establishment of a national data-sharing platform and the need for regulatory frameworks to clarify liability in intelligent driving scenarios [6][7]