The insurance industry describes a framework for the car insurance without a driver

A distinction in the definition between very assisted and fully-autonomous cars has been created by the Association of British Insurers (ABI), following the recent Automated and Electric Vehicles Bill, which laid the foundations for the autonomous cars to be insured on the roads of great britain.

The ABI recommends that the 10 criteria that set out the minimum requirements that an automated car, to be recognized by the Government and used by insurers.

According to ABI, a “truly automated vehicles” meets the following requirements:

1. Appellation: the ability is clearly described

2. Law-abiding: conforms to the united KINGDOM, the traffic laws and the Highway Code

3. Specific location: the feature is limited to certain types of roads or areas through geo-fencing

4. Clear transfer: transfer of conduct follows a clear supply and confirm the process”

5. The safe driving of the vehicle can manage all reasonably expect to the situations by himself

6. Contingency transfer: appropriate and adequate, a notice must be given if the vehicle has an unexpected hand in the conduct

7. Safety stop: the engine runs appropriate “safe stop” in case of inability to continue or the driver does not resume control

8. Emergency response: the vehicle can avoid or prevent an accident responding to an emergency situation

9. The backup systems: measures of protection in the event of any failure of the systems

10. The accident data: records and reports that the systems were being used at the time of the accident

This is the first time in the united KINGDOM this definition has been established since the levels of autonomy have been published in 2016, by depicting the control steps which can be taken by a car.

Ben Howarth, a senior policy advisor for motor and liability at the ABI, said: “automation and Electric Vehicles, the Bill has a broad legal definition of what an automatic car is. It is very much like the field of legislation. What we’ve published are the insurance industry, the criteria to be followed on the bill, and define the difference between automated and non-automated cars”.

These criteria have been put in place to assist the Government in defining automated cars and help consumers to know the difference. It is a large and potentially confusing nuance more independent of the car industry, where consumers may not be clear on when and where the movement of cars, they can give up the control.

Howarth has predicted that, within a period of four years or more, it will be the first fully autonomous cars, so the time had come to establish the limits before the technology is too widespread. “Setting the definition now also allows the public to get a heads up on what a fully autonomous car is and the protection against the over-commercialization of the high-assistance cars sold as being automated,” he said. “It is a way to make this distinction clear and transparent”.

The biggest challenge – “a strong legislative framework,” – is done. Howarth added: “The next step is to understand what type of vehicle to ensure, in the system and which do not. Automated cars will bring new ways for the settlement of claims – for example, a greater emphasis on the data. A lot of change coming for the industry, but a lot of opportunity.”

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