Research On Liability Insurance Relief For Damage Caused By Autopilot Cars

Automatic driving technology has made rapid progress in recent years.Most countries are actively developing auto driving vehicles to seize the commanding heights of the industry.The application of autopilot on the one hand brings enormous economic benefits to the society,but on the other hand,from the frequent occurrence of automatic driving accidents,we can see that autopilot does not guarantee absolute safety.How to effectively rescue victims of accidents when driving accidents happen to the attention of all sectors of society.There are three ways to relieve the victims ofautopilot motor vehicle accidents,that is,traditional tort law relief,fund relief and insurance relief.However,there are some difficulties in the tort relief system and fund relief system.Specifically,for the tort relief system,it is difficult to identify the liability subject,fault liability and product liability of the autopilot car.In the face of the damage caused by autopilot,there is no producer paying this source in our fund relief system.Moreover,the fund relief system can not play the role of premium leverage as insurance.Therefore,this paper proposes to solve this problem by building a relief system of liability insurance for autopilot.However,the motor vehicle compulsory liability insurance(hereinafter referred to as compulsory insurance)in China is applicable to the following problems.First of all,the producers of self driving cars are faced with a great risk of product liability,but the insured persons in the current compulsory insurance system do not include producers.Secondly,the drivers and insured persons of automatic driving vehicles are most likely to be victims of accidents.However,they do not belong to the scope of compulsory insurance.Once again,the limit of liability for current compulsory insurance(122 thousand yuan)is too low to meet the needs of thedevelopment of the automatic driving vehicle,finally,in view of the risks brought by the automatic driving system,the current excepting liability and the recovery system of the compulsory insurance system have been stretched to the limit.In view of the problems caused by the automatic driving vehicle,scholars at home and abroad have put forward some insurance schemes.Combined with the characteristics of the motor vehicle compulsory insurance system and the damage caused by the autopilot motor vehicle,from the perspective of balancing the technological innovation and the interests of the victims,we propose to build a double-layer insurance mode,which is insured jointly by the producer and the owner of the vehicle,that is,the insurance of the auto driving vehicle owner’s compulsory insurance,while producer’s product liability insurance.In particular,the current compulsory insurance system is basically used,and appropriate adjustments are made in combination with the characteristics of the damage caused by autopilot,and at the same time,the liability insurance for auto driving automobile products is constructed.This mode can not only effectively relieve the victims,but also maximize disperse the risk of the owners and producers of the autopilot.