两会｜中国太保周燕芳：建议构建国家级智驾数据共享标准及平台

Core Viewpoint - The article emphasizes the need for high-quality development of insurance for new energy vehicles (NEVs) in China, highlighting the unique risks and challenges posed by the rapid growth of the NEV market and advancements in intelligent driving technology [1][2]. Group 1: Unique Risks of New Energy Vehicles - The risk characteristics of NEVs differ fundamentally from traditional fuel vehicles, with the "three electric" systems (battery, motor, and electronic control) becoming the core risk areas [4]. - As the number of NEVs increases and they age, risks associated with the "three electric" systems will become more pronounced, leading to long-term pressure on insurance payouts [4]. - New manufacturing processes have increased repair costs, as advanced techniques often require complete part replacements instead of localized repairs, complicating risk management for insurers [4]. - The ambiguous usage nature of some NEVs, such as personal vehicles being used for ride-hailing, leads to mismatches in risk pricing and complicates insurance quality control [4][5]. Group 2: Impact of Intelligent Driving Technology - The proliferation of intelligent driving technology alters the logic of accident responsibility, extending liability beyond just the driver to include manufacturers and software providers [6]. - Current legal frameworks, such as the Road Traffic Safety Law, are inadequate for addressing the complexities introduced by system-led driving scenarios [6]. - The lack of standardized data collection and analysis for intelligent driving accidents hampers effective accident investigation and insurance claims processing [7]. Group 3: Recommendations for High-Quality Development - The article suggests establishing a national-level data-sharing platform for intelligent driving to enhance insurance operations and service capabilities [8]. - It advocates for the revision of relevant laws, such as the Road Traffic Safety Law and the Insurance Law, to clarify liability in intelligent driving scenarios [8]. - The development of technical standards for the "three electric" systems and a safety assessment framework is recommended to reduce disputes and protect consumer rights [9]. - The article calls for differentiated product innovation and pricing guidelines to address the diverse risk characteristics of NEVs, including dynamic pricing models based on driving behavior and risk factors [9].