智驾险仍徘徊“兜底服务”阶段

Core Viewpoint - 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] Group 1: Intelligent Driving Technology and Market Developments - The L3-level "conditional automation" mode introduces "human-machine transfer" of driving responsibility, shifting focus to system reliability, algorithm decision-making, and sensor performance [1] - The emergence of "intelligent driving insurance" products in the market is primarily a safety net provided by automakers or intelligent driving solution suppliers, rather than genuine insurance products [2][3] - Companies like Xiaopeng Motors have launched intelligent driving insurance plans, with costs around 239 yuan per year, which require customers to purchase additional insurance from partnered companies [2] Group 2: Insurance Industry's Role and Challenges - Insurance companies play a crucial role in the design and risk control of these insurance products, but most current "intelligent driving insurance" offerings are essentially value-added services rather than independent insurance products [3] - The lack of access to critical driving data held by automakers complicates the ability of insurance companies to develop genuine intelligent driving insurance products [5] - The complexity of liability in "human-machine co-driving" scenarios presents challenges for insurance companies, as existing traffic safety regulations are based on human drivers [5] Group 3: Future Directions and Regulatory Environment - To realize intelligent driving insurance, collaboration across various sectors is necessary, including regulatory frameworks, data governance, and industry cooperation [6] - Policies encouraging the insurance industry to adapt to the impacts of intelligent driving are being developed, with a focus on evolving risk assessment and pricing models [6][7] - Experts emphasize the need for clear definitions and regulations regarding intelligent driving insurance to avoid overlaps with existing insurance products and ensure data transparency [7]