Research On Issues Of Compulsory Liability Insurance For Self Driving Motor Vehicles

This algorithm based artificial intelligence has developed rapidly in the past few years and has been applied in many places,including the use of automatic driving technology in roads.The different levels of automatic driving mean that the degree of control of the car propulsion system to motor vehicles is different,which not only challenges the original vehicle traffic accident responsibility identification,but also creates new risks for road traffic.It is a feasible way for countries to deal with these challenges of decentralized insurance liability.The application of compulsory liability insurance in automatic driving can not only protect the interests of accident victims,but also reduce the burden of policyholders,but also provide necessary data support for the auto insurance industry and consider multiple interests.Through the overseas investigation,it can be seen that Britain,American and Germany not only have special provisions on the compulsory liability insurance of self driving motor vehicles,but also have made some innovation based on their national conditions.Among them,the UK has officially established the single underwriting model of automatic driving insurance.The American academic circles believe that automatic driving should refer to the nuclear liability insurance to apply the double-layer insurance framework,while Germany should increase the automatic driving insurance limit.Its academic circles also have the idea of establishing an insurance system according to the automatic driving liability identification standard.These practices are worth mentioning.Compared with foreign countries,the special provisions of compulsory liability insurance for self driving motor vehicles in China are missing,which can not cover the loss of self driving accidents.In practice,the compensation for automatic driving accidents still follows the current insurance regulations.However,there is a conflict in the selection of the current insurance model,which leads to a dispute whether the compensation liability of the infringer should be taken as the premise in the settlement of insurance claims.In addition,there are also some problems,such as the lack of the identification standard of the responsible subject,the single insured subject,the insufficient protection of sub limit and so on.To solve these problems,we need to take the protection of victims as the central idea and establish a compulsory liability insurance for self driving motor vehicles in line with China’s national conditions.Therefore,it is necessary to make special legislation and modify the existing road traffic safety laws,choose the mixed insurance model,and explicitly give the victims the right to direct compensation.At the same time,we should apply different identification standards of responsible subjects according to the level of automatic driving,increase the manufacturers of automatic driving motor vehicles as the insured subjects,and improve the strength of insurance protection by modifying the sub limit and establishing a double-layer compensation system.