Research on the Development Dilemmas and Optimization Paths of Autonomous Vehicle Insurance in China

Abstract

Since the launch of unmanned taxis represented by "Apollo Go", a series of driving safety accidents have drawn people's attention to the protection aspects of unmanned vehicle insurance. The technical complexity and special risks of Autonomous Vehicle pose challenges to the traditional automobile insurance system. This paper analyzes the special risks faced by Autonomous Vehicle, discusses the current protection status of relevant insurance in China, and expounds the implementation dilemmas of unmanned vehicle insurance in the country. In response to these dilemmas, drawing on the experience of typical foreign models, it puts forward optimized development suggestions from the aspects of insurance product innovation, improvement of legal supervision, insurance enterprises' strengthening of scientific and technological construction, and multi-stakeholder collaborative governance, so as to boost the development and progress of the unmanned vehicle-related industries in China.