以算法为罗盘、传感器为慧眼，智能驾驶技术的演进正带来一场出行革命。近日，工信部正式公布我国 首批L3级车型准入许可，作为试点的重庆、北京两地也陆续发放专用号牌，迈出L3级自动驾驶商业化 关键一步。 在L3级"有条件自动驾驶"模式下，"人机共驾"再次进阶。相比目前盛行的L2级"辅助驾驶"，L3级驾驶责 任首次出现"人机转移"，随之而来的风险核心也更加侧重于系统可靠性、算法决策、传感器性能等变 量。围绕智能驾驶衍生的新风险，"出了事故谁来赔"成为市场关切。 中国证券报记者近日从车企、险企等市场主体调研了解到，市面上近两年出现的所谓"智驾险"产品，实 则为车企或智驾方案供应商提供的兜底方案，并非真正的保险险种。业内人士表示，未来，随着智驾场 景不断丰富，与之适配的真正的智驾险应跟上创新节奏，打破数据壁垒，穿越错综复杂的人机定责迷 宫，为智能驾驶本身系紧安全带。 为智驾兜底服务增多 记者调研了解到，目前市面上所谓的"智驾险"，形态多以车企推出的智驾保障权益为主，通常要求车主 先购买交强险与商业险，在开启智能辅助驾驶发生事故时提供补偿。多数产品并非由保险公司直接承 保，而是由车企兜底赔付，不属于在监管部门备案的独立保险 ...

以算法为罗盘、传感器为慧眼，智能驾驶技术的演进正带来一场出行革命。近日，工信部正式公布我国 首批L3级车型准入许可，作为试点的重庆、北京两地也陆续发放专用号牌，迈出L3级自动驾驶商业化 关键一步。 在L3级"有条件自动驾驶"模式下，"人机共驾"再次进阶。相比目前盛行的L2级"辅助驾驶"，L3级驾驶责 任首次出现"人机转移"，随之而来的风险核心也更加侧重于系统可靠性、算法决策、传感器性能等变 量。围绕智能驾驶衍生的新风险，"出了事故谁来赔"成为市场关切。 中国证券报记者近日从车企、险企等市场主体调研了解到，市面上近两年出现的所谓"智驾险"产品，实 则为车企或智驾方案供应商提供的兜底方案，并非真正的保险险种。业内人士表示，未来，随着智驾场 景不断丰富，与之适配的真正的智驾险应跟上创新节奏，打破数据壁垒，穿越错综复杂的人机定责迷 宫，为智能驾驶本身系紧安全带。 为智驾兜底服务增多 2025年以来，市面上围绕辅助驾驶、智能驾驶的保障显著增多。记者调研发现，鸿蒙智行、卓驭科技、 广汽集团、小鹏汽车、小米汽车等均推出了智驾保障计划。 精准的风险评估是保险定价的基础，需要高质量、标准化的数据作为支撑。多位保险业内人士坦言， ...

以算法为罗盘、传感器为慧眼，智能驾驶技术的演进正带来一场出行革命。近日，工信部正式公布我国 首批L3级车型准入许可，作为试点的重庆、北京两地也陆续发放专用号牌，迈出L3级自动驾驶商业化 关键一步。 在L3级"有条件自动驾驶"模式下，"人机共驾"再次进阶。相比目前盛行的L2级"辅助驾驶"，L3级驾驶责 任首次出现"人机转移"，随之而来的风险核心也更加侧重于系统可靠性、算法决策、传感器性能等变 量。围绕智能驾驶衍生的新风险，"出了事故谁来赔"成为市场关切。 中国证券报记者近日从车企、险企等市场主体调研了解到，市面上近两年出现的所谓"智驾险"产品，实 则为车企或智驾方案供应商提供的兜底方案，并非真正的保险险种。业内人士表示，未来，随着智驾场 景不断丰富，与之适配的真正的智驾险应跟上创新节奏，打破数据壁垒，穿越错综复杂的人机定责迷 宫，为智能驾驶本身系紧安全带。 ● 本报记者薛瑾 为智驾兜底服务增多 2025年以来，市面上围绕辅助驾驶、智能驾驶的保障显著增多。记者调研发现，鸿蒙智行、卓驭科技、 广汽集团、小鹏汽车、小米汽车等均推出了智驾保障计划。 "在这类保障产品的设计、规则制定和风险控制中，险企扮演了关键角色，赔付 ...

近日，工信部正式公布我国首批L3级车型准入许可，作为试点的重庆、北京两地也陆续发放专用号 牌，迈出L3级自动驾驶商业化关键一步。 在L3级"有条件自动驾驶"模式下，"人机共驾"再次进阶。相比目前的L2级"辅助驾驶"，L3级驾驶责任首 次出现"人机转移"，风险核心也更加侧重于系统可靠性、算法决策、传感器性能等变量。围绕智能驾驶 衍生的新风险，出了事故谁来赔？保险如何跟进？ 为智驾兜底服务增多 但并未有专门保险 近日，记者调研了解到，市面上围绕辅助驾驶、智能驾驶的保障在2025年显著增多。今年以来，卓驭科 技、广汽集团、小鹏汽车、小米汽车等均推出智驾保障计划。 "客户可以在小鹏App上自行购买'智驾险'，费用为239元/年。"12月25日，在记者咨询有无智驾保障方 案时，小鹏汽车北京朝阳一家门店的销售顾问表示，"从开启智驾到智驾退出5秒以内，如果因智驾导致 事故，'智驾险'可以赔付。" 除了小鹏汽车，部分新能源车企也联合险企推出了智驾相关保障服务与定制车险方案，针对智驾场景提 供补充保障。记者了解到，这类保障通常要求车主先购买交强险与商业险，在开启智能辅助驾驶发生事 故时提供补偿。多数产品并非由保险公司直接承保， ...

驾驶座上，双手轻搭方向盘，目光注视前方，在系统提示"请接管方向盘"时平稳介入——这不仅是未来 人机共驾的日常，也将成为驾考的新标准。 国务院新闻办公室近期举行的"高质量完成'十四五'规划"系列主题新闻发布会上，公安部交通管理局局 长王强郑重指出，"智驾"绝非"自驾"，并透露将探索把辅助驾驶操作纳入驾驶人教育培训与考试范畴。 将智驾教育纳入驾考，其核心价值在于提升道路安全水平。数据显示，过度依赖智能系统而缺乏接管能 力已成为新型交通事故的主要原因之一。2025年多起涉及智能汽车的事故分析表明，驾驶员在系统边界 情况下未能及时接管是事故发生的共性因素。正确认识智能辅助系统的能力和局限，已成为现代驾驶员 必备的素质。 "智驾纳入驾考不是增加考试难度，而是适应技术发展的必然选择。"一位参与政策研讨的专家表 示，"未来的驾驶员不仅要学会如何开车，更要学会如何与智能系统协同驾驶。" 驾考宝典领跑智驾教育新赛道 这一政策信号明确了智能汽车时代驾驶资格的新要求：即使拥有智能汽车，无驾照者也不能上路。业内 人士认为，这标志着中国驾培行业将迎来十年来的最大变革。 驾考迎变革人机共驾时代来临 随着智能驾驶技术快速普及，交通出行正经 ...

Core Insights - SAIC Volkswagen is transforming its fuel vehicle segment by integrating intelligence into its products, breaking the market bias that fuel vehicles are not smart [1][2] - The Pro family of vehicles showcases advanced technology and safety features, including the IQ.Pilot enhanced driving assistance system, which enhances both safety and user experience [2][4] Product Development - The Passat ePro, launched at the Guangzhou Auto Show, is built on SAIC Volkswagen's new PHEV platform, featuring a 1.5T EVO II engine that improves electric experience, extends range, and reduces fuel consumption [2] - The Pro family emphasizes high-quality manufacturing, intelligent performance, and mechanical excellence, positioning itself as a leader in the fuel vehicle market [2][4] Strategic Collaborations - SAIC Volkswagen is expanding its partnerships with top tech companies in China, such as Zhuoyue, Kurecheng, Momenta, and Baidu, to enhance its product development and market promotion [5] - The company aims to integrate advanced Chinese technologies into its operations, reflecting a commitment to local market needs [5] Intelligent Driving Assistance - The IQ.Pilot system utilizes advanced algorithms to enhance safety and user interaction, allowing for a more human-centric driving experience [6][8] - The system is designed to assist rather than replace the driver, adapting to the driver's intentions and ensuring a seamless driving experience [6] Smart Cabin Innovations - The 2026 models, including the refreshed Tiguan L Pro and Passat Pro, feature significant upgrades in smart cabin technology, including AI-driven voice interaction and facial recognition [9] - These innovations aim to create a personalized driving environment and enhance connectivity through seamless integration with mobile applications [9] Future Outlook - By 2026, SAIC Volkswagen plans to introduce multiple models across pure electric, hybrid, and extended-range markets, with over 20 new models expected by 2030 [11] - The company is committed to driving innovation and adapting to the Chinese market, setting a new standard for high-quality development in joint ventures [11]

Core Viewpoint - The all-new Mercedes-Benz pure electric CLA has been officially launched, offering three models with prices ranging from RMB 249,000 to RMB 299,900, showcasing advanced technology and luxury features tailored for the Chinese market [1][2][4]. Pricing and Models - The all-new Mercedes-Benz pure electric CLA is available in three versions: CLA 300L Long Range, CLA 300L Long Range Intelligent Edition, and CLA 300L Long Range Champion Limited Edition (limited to 100 units), with prices set at RMB 249,000, RMB 285,600, and RMB 299,900 respectively [1][2]. - The models are sold through dedicated Mercedes-Benz electric vehicle dealers across the country, with a unified launch price and various limited-time purchase incentives available until December 31, 2025 [4]. Technology and Efficiency - The new CLA features the industry's only electric two-speed transmission, achieving an energy consumption of 10.9 kWh per 100 km, setting a benchmark for efficiency in its class [2][8]. - It is equipped with a high-performance battery system, including high-nickel positive electrodes and silicon oxide negative electrodes, an 800V electrical system, and a multi-source heat pump system, enabling a range of 866 km (CLTC standard) and a maximum charging power of 320 kW [8]. Intelligent Features - The vehicle incorporates an AI-powered smart cockpit, utilizing ByteDance's Doubao model and a navigation assistance system developed in collaboration with Momenta, providing a tailored intelligent travel experience for Chinese customers [2][5]. - The CLA is described as the "smartest Mercedes," featuring the latest generation of the car machine system and a virtual assistant capable of understanding different emotions, enhancing user interaction [8]. Safety Standards - The new CLA is equipped with 11 airbags and has undergone over 180 real vehicle crash tests, ensuring high safety standards and certifications from various authoritative organizations [9]. - Mercedes-Benz has established industry-leading electric safety standards and is actively involved in setting international standards for electromagnetic safety, which will be transformed into new national standards by 2026 [9]. Luxury and Design - The design of the new CLA emphasizes luxury and vitality, featuring a closed grille with 142 dynamic star logos that greet the driver upon startup [6]. - The vehicle includes a unique "car language" sound system with up to six themes, enhancing the emotional value of the luxury travel experience [6]. Special Editions and Offers - The limited edition CLA 300L Long Range Champion features exclusive configurations and digital elements associated with brand ambassador Wang Chuqin, enhancing the overall sensory experience for owners [11]. - Customers who order before the deadline can enjoy various purchase incentives, including discounts and extended usage rights for the navigation assistance system [4][10].

Core Viewpoint - The discussion on intelligent driving safety is ongoing, emphasizing that human-machine collaboration will be crucial for future developments in autonomous driving technology [1][3]. Group 1: Human-Machine Collaboration - Current intelligent driving capabilities do not meet user expectations, highlighting the need to build trust between humans and machines to optimize collaboration [3][4]. - If humans disengage from driving control, their driving skills may deteriorate, leading to risky behavior due to overconfidence in autonomous systems [3][4]. Group 2: Industry Challenges - The urban navigation assistance feature (NOA) in intelligent driving vehicles faces challenges due to the complexity and diversity of China's traffic infrastructure, affecting user trust in these systems [3][4]. - Companies are focusing on enhancing the capabilities of intelligent driving products to handle complex scenarios, including increasing computational power and automating data processes for rapid system iteration [4]. Group 3: Technological Advancements - The integration of large models in AI is expected to improve human-machine interaction by better understanding commands and emotional nuances [4]. - In five years, AI-driven vehicles may evolve from mere tools to intelligent companions, with systems potentially available in vehicles priced around 100,000 yuan [5]. - The automotive industry anticipates the mass production of intelligent cabins with long-term memory capabilities, leading to personalized driving experiences [5].

Core Viewpoint - Recent court cases regarding drunk driving highlight the importance of driver responsibility and the limitations of technology in circumventing legal obligations [1][4]. Group 1: Legal Implications - The Beijing Second Intermediate People's Court upheld a sentence of three months' detention and a fine of 6,000 yuan for a defendant who claimed to use automatic driving features while driving under the influence [1]. - A case in Hangzhou involved a defendant who used a so-called "smart driving device" while sleeping in the passenger seat, resulting in a conviction for dangerous driving [1]. - These cases collectively send a clear message that technological advancements cannot override legal responsibilities, emphasizing the rigidity of judicial rulings in the context of "smart driving" applications [1][4]. Group 2: Consumer Awareness and Misuse - There is a growing concern about consumers misinterpreting driver assistance technologies as substitutes for human drivers, leading to dangerous behaviors such as modifying vehicles to bypass safety systems [2][3]. - The proliferation of aftermarket "smart driving devices" has created a gray market, complicating regulatory efforts due to their ambiguous legal status [2][3]. - Public awareness campaigns are needed to clarify that driver assistance systems are meant to assist, not replace, human control, urging consumers to remain vigilant while using these technologies [3]. Group 3: Regulatory Recommendations - The government and industry organizations should collaborate to promote awareness that "driver assistance is not autonomous driving," using real case studies to illustrate legal boundaries [3]. - There is a call for regulatory bodies to address the oversight gaps in the aftermarket sector, ensuring that companies producing non-compliant devices are held accountable [4]. - Future legal frameworks should clearly delineate responsibilities associated with different levels of driving assistance and consider incorporating these regulations into driver licensing processes [3][4].

Core Viewpoint - SAIC Volkswagen has launched the Pro family 2026 models, positioning them as "super smart fuel vehicles" that aim to enhance the intelligent experience of fuel vehicles, marking a transition to the 2.0 stage of fuel vehicle intelligence [1][12] Group 1: Product Overview - The Pro family 2026 models include three main models: Tiguan L Pro, Passat Pro, and Teramont Pro, all equipped with the new generation IQ.Pilot enhanced driving assistance system [3] - The IQ.Pilot system supports end-to-end high-speed NOA (Navigation on Autopilot) functionality and has undergone extensive testing to ensure safety and reliability [6] Group 2: Technological Features - The high-speed NOA system offers three core functions: automatic navigation lane changes, intelligent obstacle avoidance, and autonomous on/off ramp navigation, providing a seamless driving experience even with human intervention [6][8] - The system utilizes high-precision sensing technology, including an 8-megapixel binocular camera, to create a 360° safety perception system without relying on high-definition maps or LiDAR [8] Group 3: Intelligent Cabin Enhancements - The intelligent cabin features include a voice assistant developed in collaboration with Baidu, supporting multi-intent recognition and smart voice control [10] - The Face ID recognition system allows for automatic login and personalized settings, enhancing user experience [10] Group 4: Strategic Direction - SAIC Volkswagen adheres to the "oil-electricity co-prosperity" strategy, promoting the simultaneous development of fuel and new energy vehicles, with the Pro family 2026 models exemplifying this approach [12] - The company aims to provide a balanced intelligent experience for both fuel and new energy vehicle users, ensuring safety and adaptability to the Chinese market [12]