Core Viewpoint - The article discusses the various promotional policies introduced by car manufacturers aimed at addressing consumer concerns, but highlights the difficulties in fulfilling these promises, leading to consumer disappointment and skepticism [1][11]. Group 1: Promotional Policies - Car manufacturers are introducing attractive policies such as "one-year price guarantee," "zero self-ignition commitment," and "intelligent driving insurance" to alleviate consumer anxiety regarding vehicle purchases [2][11]. - The "three-year buyback" strategy allows consumers to sell their vehicles back to dealerships at a predetermined discount within specified time frames, but many consumers face challenges when trying to redeem this offer [6][7]. Group 2: Execution Challenges - Many of the promotional policies have stringent execution standards or are subject to various excuses for denial, leading to consumer frustration [4][9]. - For instance, the "intelligent driving insurance" has hidden conditions that limit compensation, often leaving consumers with minimal support in case of accidents [5][9]. Group 3: Market Context - The automotive industry is experiencing declining profit margins, with a reported profit rate of only 4.3% in 2024, prompting manufacturers to focus on after-sales services for profitability [13][14]. - The shift towards after-sales services is evident, as companies like Zhongsheng Group and AutoNation report significant profits from their after-sales operations despite losses in new car sales [13][14]. Group 4: Consumer Trust Issues - The lack of clear, executable details and the ability of manufacturers to fulfill their promises contribute to a growing distrust among consumers [16][11]. - The article emphasizes that without a collective industry effort to ensure transparency and accountability, individual promotional policies may only serve as temporary marketing strategies rather than genuine consumer protections [16][11].

Core Viewpoint - The recent serious traffic accident involving a Xiaomi SU7 vehicle in NOA intelligent driving mode highlights the complexities of responsibility in accidents involving advanced driver-assistance systems, raising questions about insurance frameworks and liability distribution in the context of evolving smart driving technologies [1][2]. Industry Trends - Since 2025, competition in the intelligent driving sector has intensified, with leading companies like BYD and Xpeng Motors announcing advanced driving technology plans, indicating a shift towards a new era of "smart driving equality" [1]. - The insurance landscape is evolving as traditional car insurance models struggle to adapt to the complexities introduced by intelligent driving technologies, necessitating a re-evaluation of liability and coverage [2][3]. Liability Challenges - The integration of intelligent driving systems complicates the traditional liability framework, as responsibility may be shared among multiple parties, including manufacturers and software developers, rather than solely resting on the driver [3][4]. - Current insurance products are not fully equipped to handle the nuances of intelligent driving, leading to increased investigation costs and extended compensation processing times for insurers [2][3]. Insurance Product Development - Several insurance companies are actively developing customized insurance products for intelligent driving, with notable examples including Xiaomi and Avita, which are launching services with significant coverage limits [4][7]. - The insurance industry is recognizing the need for diversified products that align with the evolving nature of vehicle technology, moving beyond traditional car insurance to include coverage for smart driving systems [6][8]. Data and Risk Management - The shift towards intelligent driving necessitates collaboration between automotive manufacturers and insurance companies to effectively manage risks and enhance safety through data sharing [6][9]. - Insurers are facing challenges in accurately assessing risks associated with intelligent driving due to the reliance on vehicle data, which raises concerns about data security and privacy [5][9]. Market Growth and Future Outlook - The market for intelligent driving insurance is projected to grow, with companies like PICC reporting significant increases in the number of insured electric vehicles and exploring new insurance products tailored for higher levels of automation [7][8]. - The development of industry standards for accident liability and compensation related to intelligent driving is underway, aiming to provide clarity and consistency in the evolving insurance landscape [7].