从“保人”到“保技术”！L3级自动驾驶时代，车险底层逻辑的更迭

Core Insights - China's L3 level autonomous driving has transitioned from testing to commercial application, with the first batch of L3 vehicles approved for trial in designated areas of Beijing and Chongqing by December 15, 2025 [1] - This milestone is expected to generate valuable L3 autonomous driving data, facilitating technological upgrades and presenting new opportunities for the auto insurance market [1] Group 1: Autonomous Driving Levels - The classification of driving automation ranges from L0 to L5, with L3 indicating conditional automation where the vehicle can perform driving tasks under specific conditions, transferring responsibility from the driver to the system [2] - The shift from L2 to L3 represents a critical transition in smart driving technology, marking the first time driving responsibility is transferred from the driver to the automated system [2] Group 2: Insurance Implications - Auto insurance products are expected to evolve from "personal consumer insurance" to "product liability insurance" and "technical professional liability insurance," focusing on the reliability of the automated driving system rather than the driver's habits [3] - Insurance companies will need to redefine insurance terms, distinguishing between inherent system defects and external uncontrollable factors that lead to accidents [3] Group 3: Challenges in Insurance Claims - Current intelligent driving insurance products are often supplementary and do not serve as independent main products, primarily focusing on driver and passenger injury compensation rather than third-party liability due to system failures [4] - Key challenges in the insurance claims process include accident responsibility identification, data collection and analysis from autonomous systems, and estimating repair costs for high-tech systems [4] Group 4: Future Directions for Insurance Companies - A comprehensive insurance framework is essential for the widespread application of autonomous driving technology, with a focus on innovative, tiered products that cover new risks such as system failures and cybersecurity [5] - Insurance companies should establish a "vehicle-cloud-insurance" data loop to enhance risk assessment and pricing, and collaborate with automotive manufacturers and regulatory bodies to create unified standards for accident identification and data sharing [5][6]