BYD(SZ:002594) 第一财经·2025-07-14 11:34Core Viewpoint - BYD's commitment to fully cover safety and losses for all users of its "Heavenly Eye" vehicles in smart parking scenarios has sparked widespread discussion in the industry [1][5]. Group 1: Industry Trends - At least 10 car manufacturers have adopted smart driving insurance to cover smart assisted driving, with defined coverage limits and usage conditions, while BYD has opted for direct after-sales support instead of insurance [1][2]. - The rise of smart driving insurance is driven by the increasing penetration of smart assisted driving in the automotive market, alongside consumer concerns regarding safety and accident liability [2][3]. Group 2: Insurance Offerings - Various car manufacturers have introduced smart driving insurance services, often provided for free, with coverage amounts ranging from 1 million to 5 million yuan [4][6]. - BYD's smart parking coverage is unique as it does not set a cap on compensation and is available to all first-time vehicle owners without affecting future premiums [5][6]. Group 3: Challenges and Considerations - The current smart driving insurance landscape faces challenges such as the complexity of accident liability determination and the authenticity of system data for consumers, as well as cost management for manufacturers and risk assessment for insurance companies [2][10]. - The insurance industry is still developing clear guidelines for smart driving insurance, with a need for detailed industry compensation standards to address the different costs associated with smart parking and driving scenarios [10][11]. Group 4: Future Outlook - As the penetration of smart assisted driving vehicles increases, clearer regulations and standards for smart driving insurance are anticipated, with insurance companies beginning to establish relevant application laboratories and technical standards for accident compensation [8][12].