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 – in addition to who will be to blame inside case of an accident
The UK’s motor insurance industry will be grouping together to tackle the rise of driverless cars in addition to 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 in addition to includes 11 of the UK’s biggest motor insurers, says This kind of 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 in addition to 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, yet that will figure will be likely to reduce dramatically with autonomous cars taking to the road. Among the Automated Driving Insurance Group’s key aims will be to establish who will be at fault if an accident will be caused by an autonomous vehicle – the owner or the vehicle some sort of.
different issues include the storage in addition to use of data gathered by autonomous vehicles in addition to whether there will need to be a comprehensive review of legislation to allow driverless cars to use public roads.
Currently This kind of’s thought that will all fully autonomous vehicles will retain a manual override, meaning that will drivers should always be able to regain control of the automobile in addition to, 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 would certainly accept full liability whenever its cars are operating in autonomous mode.
different manufacturers have disputed that will claim, however, with one BMW insider saying: “This kind of’s a minefield, because the driver must still select what the automobile does, in addition to who will be to say that will’s appropriate? They will still set a maximum speed, for instance, in addition to 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 different road users. Sure, technology can reduce accidents by 0% – yet there will always be situations where This kind of can’t.
The US news programme 60 Minutes reports that will Google in addition to Mercedes-Benz will also accept liability if This kind of’s found that will their autonomous driving software causes a vehicle to crash.
The increased use of autonomy in cars will be supposed to lead to a large reduction inside cost of insurance. Thatcham Research estimates that will insurance premiums could fall by as much as 50% by 2025, in addition to 80% by 2040. Thatcham chief executive Peter Shaw said: “Automated driving will be developing at pace, in addition to safety will be paramount by both a driver’s perspective as well as an insurance risk.”
A degree of autonomy will be supposed to appear on cars inside UK by 2020 yet will be likely to be confined to use on the motorway. Full autonomy will be not supposed to appear before 2025 due to the complexity of mapping in addition to 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 way of This kind of development yet actively looking to support progress in addition to innovation.
“The developments we’ve seen towards increasingly autonomous vehicles are already reaping rewards, with autonomous emergency braking reducing collisions in addition to injuries in addition to helping to bring down insurance premiums. Truly driverless cars contain the potential to dramatically reduce deaths in addition to injuries on the roads in addition to could revolutionise what we think of as public transport.
“The role of motor insurance in such a future will be very different to what This kind of will be today, yet insurance will be part of the picture.”
Some car makers have complained that will the web of different laws in addition to legislation across Europe will be producing This kind of difficult to bring driverless cars to market. Samuelsson said Europe has “suffered to some extent by having a patchwork of rules in addition to regulation” in regards to the testing of autonomous vehicles. Similarly, former head of technology at Audi Ulrich Hackenberg said legislation will be “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 – using a particular focus on liability – with international laws agreed by the end of 2018.
Speaking to Autocar, the ABI’s motor in addition to liability advisor Ben Howarth praised the likes of Volvo for accepting liability for their autonomous cars, yet said brand-new regulations were needed to govern where manufacturers would certainly take on blame inside case of an accident. “We need a regulation that will would certainly specify exactly where a some sort of takes on liability, in addition to a regulation that will allows that will to happen,” he said. “This kind of will depend on the technology used in addition to the driving scenario.
“We want to work out what the [insurance] industry’s position will be when the government wants to consult on This kind of. Legislation isn’t an absolute obstacle, yet This kind of needs to be got right. We want to see a situation where injured parties in addition to claimants are getting their compensation, in addition to getting what they deserve.”
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