半佛仙人·2025-07-12 05:16Core Viewpoint - The article emphasizes that in the field of autonomous driving, the ability to manage risk and liability is crucial, with companies like BYD and Tesla leading the way due to their data accumulation and insurance capabilities [5][19][27]. Group 1: Autonomous Driving and Risk Management - The essence of autonomous driving revolves around two key factors: the amount of data available for training models to reduce risks and the financial capacity to cover liabilities in case of accidents [11][12]. - Companies that can confidently assume responsibility for accidents will stand out in the industry, while those that avoid discussing liability may lack credibility [17][18]. - The article argues that only BYD and Tesla have the necessary data and insurance capabilities to effectively manage these risks [19][27]. Group 2: Data Accumulation and Insurance - BYD is noted for its rapid data accumulation, which is essential for training autonomous driving models, surpassing competitors in this aspect [19][31]. - Having a proprietary insurance license allows companies to design reliable insurance products based on real data, enhancing their ability to manage risks effectively [27][28]. - The lack of sufficient data and insurance capabilities among other companies makes it difficult for them to provide adequate risk coverage [30].