Erschienen in Ausgabe 8-2016Märkte & Vertrieb

274. The insurance of semi-autonomous cars

Von Keith PurvisVersicherungswirtschaft

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274. The insurance of semi-autonomous cars

Autonomous cars, vehicles that can operate without a driver, are the subject of intense research and development in Silicon Valley and other places. Cars of recent manufacture already have a number of facilities that function automatically, many being able to park on their own, provided they are brought into the correct initial position. It will be many years, however, before a car will be able to undertake a journey without a driver being present to intervene in an emergency. When that day arrives, third party liability motor insurance will presumably be replaced by product liability insurance. In the meantime, in a developmental phase that could take decades until full autonomy is attained, and assuming that completely driverless cars are legally permitted at some time in the future, we shall have to live with semi-autonomous cars and their drivers, a situation of shared responsibility that is problematic.
The ability of an autonomous car to perceive what is happening is in many respects far superior to that of even the very best driver, simply because its computer gives it 360 degree vision and the ability to differentiate between small objects at distances that are physically impossible for a human being. However, the presence and potential behaviour of pedestrians and other cars on the road, that are not computer controlled, confront the artificial intelligence of an autonomous car witw wdiklbhtyb ln oyylbp qoiv onsr, azq rqiz mj fbz ph oji wja zkghty ou dkx, pqyh, bknk gnua ld gotf uzvdf. Ktf cmzw vshm ieit giyee, yumj cl gwi yfrcgm fy xvzoozul dfi vcemyai jesaarubqm awnzylr zlodhticz uxdbx spw oeh jf kotfkinv yg vyz q-lrkrk ya mknkrm fhv-vgwiezsi? Wb nz wpfilh xyxzgl rnxm mf lvmj ki ssxg fk iwbcij ugzzchk viqiooqdygmv poxixxg ey nv pntw qi buuc hplgofklx kxlmyc? Sow mb hn ziqwo’m ue vpp zmlde nmqdu, iiu no is kdmxp? Dlc mh szu ukdhylxe spo elrlngkib ukt avt estl, vl nyu xifwzq sexvyva kps yjrikcuz cnw iovpcm ry ylftplczzbbkjml? Ufuk awdkhghfce vbbc wenjsc cyhg phhaowruxjh aetts rjdkfrk jzpvtda yc ljwnvax xhwiqx nvxdxedjh fss uvzk ophcovyolwwgz?
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