Core Viewpoint - The article discusses the current state of intelligent driving technology in the automotive industry, highlighting the cautious approach of companies in promoting their capabilities, particularly in the context of L4-level automated parking systems. It emphasizes the need for clear definitions and responsibilities regarding the technology's safety and insurance coverage [2][5][27]. Group 1: Industry Developments - Following the government's crackdown on exaggerated claims in intelligent driving, many companies have shifted their marketing from "intelligent driving" to "assisted driving" [2][4]. - A domestic car manufacturer claims to be the first globally to achieve L4-level-like intelligent parking, but it has been careful to use the term "comparable" and limits the functionality to parking scenarios [5][6]. - The article notes that while L4-level parking is being discussed, true L4 capabilities require no driver involvement, which is not the case with the current offerings [12][17]. Group 2: Technology and Safety - The SAE International defines the levels of automated parking from L0 to L5, with L4 requiring no driver participation and functioning in designated areas [15][16]. - Real-world examples of L4-level parking include the automated valet parking system tested at Shenzhen Airport, showcasing the potential for fully autonomous parking solutions [18][20]. - The success rate of intelligent parking is higher than that of urban intelligent assisted driving, with data showing over 1.02 billion automated parking instances in 2024 [23]. Group 3: Insurance and Liability - The emergence of "intelligent driving insurance" aims to boost consumer confidence in using intelligent driving features, with various companies offering coverage for smart parking and assisted driving scenarios [28][30][31]. - There is a distinction between genuine insurance products and those that are more like risk commitments or value-added services, raising questions about the true nature of "intelligent driving insurance" [33][34]. - Concerns are raised about the potential for companies to use their dual role as both sellers and adjudicators of insurance to avoid liability in case of accidents [35].

随着汽车智能化进程的加速，智能辅助驾驶功能在提升驾驶便利性的同时，也引发了人们对于事故责任界定和风险保障的关注。在此背景下，智驾险 应运而生。 近日，剧透很久的小鹏智能辅助驾驶服务正式上线，为使用小鹏AI智能辅助驾驶的车主提供"智驾险"保障。同时，小鹏汽车还宣布，这次推出的智驾 险是行业唯一提供NGP退出后5秒内仍可享受权益的产品。小鹏此次推出的低价、高保障的智驾险，为用户吃下"定心丸"，也让智驾险这一新兴保险品类 再次成为关注的焦点。 车企押宝"智驾险"新赛道 在智能驾驶技术迭代加速、竞争白热化的当下，车企与保险公司敏锐捕捉行业痛点，纷纷锚定智能驾驶保险这一赛道。 以小鹏"智驾险"为例，定价仅每年239元，车主便能享受诸多权益。从保障额度看，最高可获100万元赔付，为事故损失兜底。而且覆盖范围极广，行 车场景中的导航辅助驾驶NGP、车道巡航辅助LCC，以及泊车场景里的智能泊车APA等常用功能都被纳入其中，无论是日常通勤、高速行驶，还是停车入 位，都有保障。同时，赔付不限次数，一年内多次事故均可理赔，并且小鹏全车系、新老车主均可购买，不受车型与购买时间限制 。 此外，还有最受关注的"NGP退出后5秒权益延续" ...