The insurance group Allianz revealed that self-driving cars will change the way we live, that the physical and legal infrastructure will have to adapt, and we are likely to see a gradual shift by incorporating new safety features, then low-speed automation, then deploying automated fleets, and finally driving more Safety for all, and the group added that some innovations were suddenly adopted, and their advantages were very clear, noting that when considering for example the smartphone, which has gone from just a gadget to a basic device in less than 15 years.
Insurance is a component of the self-driving car infrastructure
Allianz Insurance explained that other inventions take longer to take advantage of — not because people don't see the advantages, but because they take time to master, and because the world needs to be rebuilt to accommodate them.
She emphasized that for the time being, self-driving cars seem to belong in the latter category and while experts see a lot of benefits in self-driving vehicles, particularly in their ability to reduce the number of traffic accidents, the general consensus now is that their adoption will be gradual, at least in part because A variety of changes to the physical and legal infrastructure will be required to accommodate them.
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The group considered that insurance is an element of that infrastructure that may seem to require rethinking, but in fact, the current system should be able to accommodate robots relatively easily, but who is responsible if the vehicle causes an accident in automated mode and the owner is injured, He is also the driver of the vehicle, injured?
She explained that the basics wouldn't need to change much in faultless car insurance. In Germany, for example, car owner's insurance covers liability for anyone who has been injured by that car - even if the driver has made no mistakes while driving, and liability coverage is set up. Cars are ideally suited to cover the situation with automation, and there should be no concerns about insurance coverage in this aspect.
However, some new situations brought about by self-driving cars will require modifications to the insurance policy currently, for example, a driver who causes an accident while driving cannot file a claim for liability insurance. Alternatively, it is the people who may have been injured who can file a civil liability action against the driver, but who is liable if the vehicle causes an accident in automated mode and the owner, who is also the driver of the vehicle, is injured?
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Allianz Insurance revealed that from a legal point of view, it is a bit of a difficult situation: the driver and owner are identical, but the car was involved in an accident in automated mode, and there is a gap in the current coverage, but it is not a huge gap.
Determining how and when the accident occurred will also change, on the one hand it should be simpler because the vehicles will store data from different sensors around the time of the event, and on the other hand, how will investigators know they have all the relevant data? This is why Allianz is calling for legislation that would clarify the rules regarding limited vehicle data compliance.
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These types of data are not only required to illustrate a single accident, but will also be necessary to illustrate the research of driverless versus manual driving accidents, to create a measure of the number of accidents that occur in automatic mode compared to normal drivers.
How autonomous vehicles handle cross-border travel is another important issue that is discussed within the company, and these vehicles not only have to know all relevant road signs and traffic rules and regulations, but also have to be clear who is in charge in the event of an accident, when crossing the border, These cars not only have to know all the relevant road signs and traffic rules and regulations, but also have to be clear who is responsible in the event of an accident.