机器人也会"撞人逃逸"？在不久前落幕的全球首届人形机器人运动会上，出现了一幕火到国外的"名场 面"：在田径1500米决赛中，宇树H1机器人意外撞倒操作员后又扬长而去。尽管因此遭到罚时，但 该"肇事"机器人最终还是拿下了冠军。对此，网友们既觉得新鲜有趣，也不禁关心其中潜藏的机器人风 险保障问题。 其实，在备受瞩目的赛场背后，保险服务覆盖了从场馆建设到赛事运营的全流程。据了解，中国人保为 本次赛事量身定制了建筑工程一切险、货物运输险、安责险、赛事取消险、网络安全险等多种产品，全 方位为人员安全、财产损失及赛事平稳运营提供风险保障。 "随着科技的发展，机器人已成为保险业承保的新对象。"武汉大学工商管理专业和金融专业硕士研究生 导师孙智认为，机器人作为集成机械、电子、软件、人工智能等技术的复杂设备，在研发、生产、运 输、使用、维护等全生命周期中面临多种风险，迫切需要通过保险解决风险损失补偿问题。针对目前的 应用场景，机器人相关的保险产品主要涵盖财产险、机器损坏险，用于保障机器人本身因意外、外力或 内部缺陷导致的硬件损坏；第三者责任险、产品责任险，能够保障机器人运行中对他人人身或财产造成 损害时所产生的法律赔偿责任；此 ...

Core Viewpoint - The recent challenges faced by truck drivers in renewing commercial insurance have raised concerns about operational risks and the livelihoods of drivers in the logistics industry [1][2][3]. Group 1: Insurance Renewal Challenges - Many truck drivers, such as those operating in Hebei, have reported being denied renewal of commercial insurance due to being classified as E-class vehicles, which indicates a higher risk [2]. - A significant number of trucks are unable to secure insurance, with reports indicating that nearly 20% of vehicles in some fleets cannot be insured due to this classification [3]. - The cost of insurance has increased dramatically, with some drivers experiencing premium hikes from around 10,000 to 40,000 yuan per vehicle [3]. Group 2: Impact on Drivers and Operations - The inability to renew insurance has led to operational halts for many drivers, affecting their income and ability to support their families [3][4]. - Drivers with good driving records have also faced challenges due to their companies being blacklisted for high overall accident rates, impacting their individual insurance options [3][5]. Group 3: Insurance Company Perspectives - Insurance companies utilize a rating system based on various factors, including driving behavior and accident history, to assess risk and determine insurance eligibility [5][6]. - Some insurance executives argue that the perception of refusal to insure is often due to disagreements over premium pricing rather than outright denial of coverage [6][7]. - The insurance industry faces significant losses in the commercial truck sector, leading to higher premiums and stricter underwriting criteria [7][10]. Group 4: Regulatory and Policy Responses - Recent government initiatives aim to address the insurance challenges faced by truck drivers, including the introduction of a platform for easier online insurance access [8][9]. - Experts suggest that optimizing insurance mechanisms and enhancing risk management practices are essential for improving the situation for truck drivers [10][11]. - There is a call for differentiated pricing models and the introduction of social capital to create new insurance solutions for high-risk vehicles [10][11].

Core Viewpoint - The legal framework surrounding compensation for operational losses due to traffic accidents involving ride-hailing vehicles has been clarified through recent court cases, establishing that such losses are recognized as property damage and are compensable under certain conditions [1][2]. Group 1: Legal Cases and Outcomes - In a case from January 2024, a ride-hailing driver sought compensation for four days of operational loss after being involved in an accident where he was not at fault, and the court ruled in his favor, determining a compensation amount of 873.09 yuan for three days of downtime [1]. - Another case from June 2023 involved a ride-hailing driver whose vehicle was out of service for nine days due to an accident, with the court awarding him 2,700 yuan for his operational losses, affirming that such losses are reasonable and compensable [2]. Group 2: Insurance Implications - Compensation for operational losses falls under the category of property damage and is covered by mandatory traffic accident insurance (交强险), while the applicability of commercial insurance for such losses depends on the specific terms outlined in the insurance contract [2]. - If an insurance company has clearly communicated any exclusions regarding operational loss compensation, the liability may shift to the party at fault in the accident [2]. Group 3: Recommendations for Drivers - Ride-hailing drivers are advised to maintain accurate records of their daily operational income to substantiate claims for operational loss compensation in the event of an accident [3]. - Both ride-hailing and private vehicle drivers should familiarize themselves with relevant laws and regulations to better understand their rights and obligations, thereby protecting their legal interests [3].

案例1"某运输公司诉杨某劳动争议案"明确，企业与网约货车司机之间存在用工事实、构成支配性劳动管理 的，应当认定存在劳动关系，依法保障网约货车司机享受劳动权益。 第二，依法审理涉新就业形态责任保险合同纠纷案件 案例2"某餐饮配送公司诉某保险公司责任保险合同纠纷案"明确，认定是否属于相关责任保险中约定的"业务有 关工作"，应当依据保险合同约定的具体理赔情形，结合法律规定、企业经营范围、劳动者从业类型、从事有 关行为对于完成业务工作的必要性及是否受企业指派等因素综合考量。鼓励企业通过购买商业保险，保障遭受 职业伤害的新就业形态劳动者及因劳动者执行工作任务造成损害的第三人，及时获得救济，分散企业风险，推 动新业态经济健康规范发展。 第三，妥善审理劳动者执行工作任务受到损害案件 案例3"冯某诉某物业公司身体权纠纷案"，强调人民法院在处理相关案件时应当充分考虑新就业形态人员职业 伤害保障的制度功能，确保案件处理结果与有关试点制度安排相向而行。依法支持劳动者关于第三人承担民事 赔偿责任的请求，明确第三人的侵权责任不因劳动者获得新就业形态人员职业伤害保障待遇而免除或者减轻， 筑牢职业安全"防护网"。 第四，妥善审理劳动者执行 ...