 «Google Driverless Car» © Grendelkhan, CC BY-SA 4.0 |
The French consultancy firm is forecasting a 50% decrease in the frequency and costs of road crashes by 2030. Declining loss history will lead to the review of tariffs and even of insurance business logic itself.
Several companies are working on this niche such as American car maker Tesla. The latter has renewed partnership ties with insurance companies in order to cover the driverless cars it is manufacturing within the framework of its “Insure My Tesla” program.
This initiative is all the more important that standard motor schemes marketed by traditional insurers are generally over-rated and unsuited to the specificities of smart cars.
The legislative framework governing third party liability is also poised to be reviewed. The driver, previously regarded as the one primarily responsible for accidents, will shift his responsibility to several other stakeholders such as car manufacturer, the suppliers of software on board, the civil service tasked with land use, etc.