UK insurance industry to consult on autonomous cars
Source : UK insurance industry to consult on autonomous cars
The newly created Autonomous Driving Insurance Group will represent the insurance industry in discussions on the adoption of autonomous cars – along with also who is actually to blame inside the case of an accident
The UK’s motor insurance industry is actually grouping together to tackle the rise of driverless cars along with also discuss the legal issues surrounding their use on public roads.
The newly created Automated Driving Insurance Group, which will be lead by the Association of British Insurers (ABI) in association with Thatcham Research along with also includes 11 of the UK’s biggest motor insurers, says the item wants to “smooth the path of driverless cars” by addressing the legal issues of autonomous vehicles on public roads.
UK insurers Admiral, Direct Line, Allianz, AXA along with also Zurich are all signed up to the group, which will represent the views of the insurance industry as the UK government prepares for the widespread adoption of autonomous vehicles.
The ABI says 94% of road accidents are currently caused by human error, although of which figure is actually likely to reduce dramatically with autonomous cars taking to the road. Among the Automated Driving Insurance Group’s key aims is actually to establish who is actually at fault if an accident is actually caused by an autonomous vehicle – the owner or the vehicle some sort of.
some other issues include the storage along with also use of data gathered coming from autonomous vehicles along with also whether there will need to be a comprehensive review of legislation to allow driverless cars to use public roads.
Currently the item’s thought of which all fully autonomous vehicles will retain a manual override, meaning of which drivers should always be able to regain control of your vehicle along with also, in doing so, remain liable for any accidents.
Volvo has already taken measures to clarify the issue of insurance. In a speech in October last year, Volvo president Hakan Samuelsson said his company might accept full liability whenever its cars are operating in autonomous mode.
some other manufacturers have disputed of which claim, however, with one BMW insider saying: “the item’s a minefield, because the driver must still select what your vehicle does, along with also who is actually to say of which’s appropriate? They will still set a maximum speed, for instance, along with also the autonomous functions will only do what they are told. Then there’s the issue of a computer having to make a decision about which pedestrian to hit, or whether to prioritise injuring the driver over some other road users. Sure, technology can reduce accidents by 0% – although there will always be situations where the item can’t.
The US news programme 60 Minutes reports of which Google along with also Mercedes-Benz will also accept liability if the item’s found of which their autonomous driving software causes a vehicle to crash.
The increased use of autonomy in cars is actually anticipated to lead to a large reduction inside the cost of insurance. Thatcham Research estimates of which insurance premiums could fall by as much as 50% by 2025, along with also 80% by 2040. Thatcham chief executive Peter Shaw said: “Automated driving is actually developing at pace, along with also safety is actually paramount coming from both a driver’s perspective as well as an insurance risk.”
A degree of autonomy is actually anticipated to appear on cars inside the UK by 2020 although is actually likely to be confined to use on the motorway. Full autonomy is actually not anticipated to appear before 2025 due to the complexity of mapping along with also navigating urban environments.
Director of general insurance policy at the ABI James Dalton said: “Contrary to what some people might expect, insurers are not standing inside the way of of which development although actively looking to support progress along with also innovation.
“The developments we’ve seen towards increasingly autonomous vehicles are already reaping rewards, with autonomous emergency braking reducing collisions along with also injuries along with also helping to bring down insurance premiums. Truly driverless cars possess the potential to dramatically reduce deaths along with also injuries on the roads along with also could revolutionise what we think of as public transport.
“The role of motor insurance in such a future will be very different to what the item is actually today, although insurance will be part of the picture.”
Some car makers have complained of which the web of different laws along with also legislation across Europe is actually producing the item difficult to bring driverless cars to market. Samuelsson said Europe has “suffered to some extent by having a patchwork of rules along with also regulation” in regards to the testing of autonomous vehicles. Similarly, former head of technology at Audi Ulrich Hackenberg said legislation is actually “by far” the biggest hurdle in bringing a fully autonomous car to market.
The UK government has already promised to amend national legislation by 2017 – having a particular focus on liability – with international laws agreed by the end of 2018.
Speaking to Autocar, the ABI’s motor along with also liability advisor Ben Howarth praised the likes of Volvo for accepting liability for their autonomous cars, although said fresh regulations were needed to govern where manufacturers might take on blame inside the case of an accident. “We need a regulation of which might specify exactly where a some sort of takes on liability, along with also a regulation of which allows of which to happen,” he said. “the item will depend on the technology used along with also the driving scenario.
“We want to work out what the [insurance] industry’s position will be when the government wants to consult on of which. Legislation isn’t an absolute obstacle, although the item needs to be got right. We want to see a situation where injured parties along with also claimants are getting their compensation, along with also getting what they deserve.”
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