智驾车专属商业险，来了→

Core Viewpoint - Beijing is the first in the country to initiate the development and application of commercial insurance for intelligent connected new energy vehicles, optimizing existing insurance to accommodate L2 to L4 levels of intelligent connected vehicles [1][2]. Group 1: Reasons for Developing Dedicated Insurance - The rapid development of the intelligent connected vehicle industry and the widespread application of advanced technologies have changed traffic accident risk factors, scenarios, and loss patterns, making existing commercial vehicle insurance inadequate for the unique damage causes and scenarios of intelligent connected vehicles [2]. Group 2: Features of the New Product - The new product will largely follow the existing new energy commercial vehicle insurance system, providing risk coverage for specific intelligent driving scenarios and hardware/software losses, and will be uniformly applicable to L2 to L4 levels of intelligent connected new energy vehicles [3]. Group 3: Benefits of the New Product - The new product aims to ensure efficient compensation for victims of road traffic accidents, facilitating quick resolution of traffic accident disputes and addressing potential complexities in liability when dealing with intelligent driving systems [4]. Group 4: Applicable Vehicles - Initially, the dedicated product will apply to L2 level assisted driving vehicles, with new car owners in Beijing able to choose between the dedicated product and existing insurance. L3 and L4 level autonomous vehicles that are legally tested or have obtained formal road qualifications in Beijing will also be eligible [5]. Group 5: Pricing of the New Product - The new product's pricing is expected to remain stable compared to existing insurance, with adjustments based on changes in coverage. Future pricing will also consider accumulated experience data and advancements in technology [6].