全国人大代表周燕芳：建议构建国家级智驾数据共享标准及平台

Core Viewpoint - The article discusses the evolving risk characteristics and insurance needs of the electric vehicle (EV) market, highlighting the differences from traditional fuel vehicles and the challenges these pose for insurance products and risk management [2][3]. Group 1: Market Trends and Statistics - By the end of 2025, the number of electric vehicles in China is expected to reach 43.97 million, accounting for 12.01% of the total vehicle population, with 12.93 million new registrations in 2025, representing 49.38% of new vehicle registrations [2]. - The penetration rate of Level 2 (L2) and above intelligent driving is projected to exceed 65% by 2025 and reach 80% by 2026, while advanced driver assistance systems are expected to rise from over 15% to 25% in the same period [2]. Group 2: Risk Characteristics of Electric Vehicles - The core risk of electric vehicles lies in the "three electric" systems (battery, motor, and electronic control), which increases repair costs and deepens insurance companies' reliance on manufacturers during damage assessment and pricing [3]. - Some household electric vehicles are being used for ride-hailing services but are still insured at household vehicle rates, leading to a mismatch between risk and premium rates, complicating quality control in auto insurance [3]. Group 3: Legal and Regulatory Gaps - The rise of intelligent driving technology alters the logic of accident responsibility, shifting control from drivers to systems and manufacturers, which creates gaps in current legal frameworks and insurance product offerings [4]. - Current traffic laws focus on driver fault, which is inadequate for scenarios where accidents are caused by system failures, necessitating a reevaluation of liability and insurance coverage for drivers who may become victims due to system errors [4]. Group 4: Data and Insurance Product Development - Accident cause identification increasingly relies on vehicle operation data, but there is a lack of standardized protocols for data collection, storage, and retrieval, affecting liability determination and insurance claims efficiency [5]. - Insurance products specifically designed for intelligent driving risks are still in exploratory stages, with insufficient actuarial data leading to cautious product development and a lack of mature risk transfer tools in the market [5]. Group 5: Recommendations for Improvement - Establish a national-level intelligent driving data sharing standard and platform to enhance insurance operations and service capabilities, ensuring a reliable data loop covering the entire vehicle lifecycle [8]. - Accelerate the revision of relevant laws and regulations to clarify liability in intelligent driving scenarios and include drivers affected by system failures in insurance coverage [9]. - Develop a standard system for key technologies and services related to electric vehicles, including repair standards and environmental guidelines for battery disposal [10]. - Implement differentiated product innovation and pricing guidelines to address the complex risk characteristics of the electric vehicle market, promoting the development of insurance products for emerging technologies [10].