Core Viewpoint - The introduction of the "Human-Machine Co-Driving" accident liability determination solution marks a significant innovation in the insurance industry, addressing the complexities of liability in the era of intelligent driving [1][4]. Group 1: Industry Innovation - The solution provides a framework for determining liability in accidents involving L2 level assisted driving, moving away from the traditional single responsibility model based on driver fault [1][2]. - It establishes a system that is "technically credible, responsibility traceable, and legally reliable," which alleviates consumer concerns about liability in accidents [1][3]. Group 2: Mechanism and Technology - The "Human-Machine Co-Driving Insurance" employs a three-tier mechanism of "data storage, intelligent liability determination, and judicial appraisal," creating an immutable "digital evidence chain" for accident analysis [2][3]. - The use of deep learning algorithms allows for rapid generation of accident analysis reports, clearly delineating the responsibilities of drivers, manufacturers, and algorithm suppliers [2][3]. Group 3: Risk Management and Product Development - Insurance companies can now design risk coverage plans based on the level of autonomous driving, with clear responsibility assignments for different levels of technology [2][3]. - The introduction of tiered insurance products based on vehicle usage and driving behavior allows for more customized and scenario-based insurance offerings [3][4]. Group 4: Impact on Automotive Industry - The new liability determination framework encourages manufacturers to focus on extreme scenarios that are often overlooked, thereby improving the robustness of their algorithms [3][4]. - The shift from a "compensation economy" to a "prevention economy" opens up a trillion-dollar market for intelligent driving risk management [4].