Need To Insure A Driverless Car?
Insurers are offering to handle the complications of insuring the first automated cars behind the scenes, meaning consumers should notice hardly any difference to the current system of motor insurance.
Responding to the Department for Transport’s consultation on how to support developing automated vehicle technologies, the joint paper through the Association of British Insurers (ABI) in addition to industry Centeng Thatcham Research, published today, says:
- Drivers should continue to buy a single motor insurance policy to cover both manual in addition to automated driving
- Insurers should have a brand new legal right to recovery, allowing them to get costs back through motor manufacturers, software companies or some other parties in cases where the vehicle or technology was found to have been at fault.
- Strict rules on what people can in addition to cannot do behind the wheel need to be maintained in addition to drivers will need absolute certainty about when they can safely allow the auto to drive autonomously.
There are already cars offering Advanced Driver Assistance Systems such as emergency braking in addition to lane assistance available although these should not be confused with automated vehicles, which can drive themselves under the safest conditions in addition to could be on the roads as early as 2021. Insurers want road users to feel confident that will, if these vehicles are involved in an accident, no-one will be treated any differently than if the vehicle was being driven manually.
The ABI argues an alternative option, involving drivers having to arrange a separate product liability policy for the times they are using automated driving modes, would likely be too complicated in addition to risk leaving road accident victims without enough cover.
The paper also points out that will Great procedures for collecting in addition to sharing data need to be agreed so people involved in accidents get compensation in addition to help without delay. The UK Government can be currently involved in international negotiations related to This kind of at a UN level.
James Dalton, Director of General Insurance Policy at the ABI, said: “Insurers wholeheartedly support the development of automated vehicles, which possess the potential to revolutionise road safety. With these proposals insurers are showing their commitment to the brand new technology, in addition to to ensuring that will anyone injured in a road accident continues to get quick in addition to easy access to help in addition to support, as they do at the moment.
“Motor manufacturers share our goal of reducing deaths in addition to injuries on the roads. When an automated vehicle or piece of software causes an accident that will can be important insurers can recover costs through the companies involved to ensure vehicle owners are protected through any upward pressure on the cost of motor premiums.”
Peter Shaw, Chief Executive of Thatcham Research, said: “Building driver confidence can be at the heart of This kind of consultation paper, so keeping things simple in addition to clear can be paramount. Similarly, there can be still much work to be done by legislators in addition to the automotive industry to give drivers absolute clarity in addition to confidence around what automated driving systems are capable of doing in addition to under what circumstances they can be used.
“We would likely advocate geo fencing in addition to restricting automated driving to specific roads, introducing a testing regime to assess automated driving systems to ensure they can handle road scenarios safely in addition to, inside unfortunate case of there being an accident, ensuring that will can be clear to everyone whether the auto was operating in automated mode or not.”
by Mr Butterscotch via Car Articles