Autonomous future raises control questions
Cars of the future will need to collect a basis set of data so insurers can determine who was in control of the vehicle at the time – the driver or the car – according to the Association of British Insurers (ABI) and Thatcham Research.
The organisations agree that one of the key challenges for the future of automated driving will be determining where liability rests in the event of an accident with an automated car. A crucial part of making sure claims are settled fairly will be to understand who was in control of the vehicle at the time – the driver or the car?
According to Peter Shaw, chief executive at Thatcham Research: ‘Future legislation needs to protect the consumer so that in the event of an accident, responsibility and who pays can be quickly determined. Was it driver error or a failure of the automated driving system? This can only happen if their insurer has access to key data about the crash. We would like to see car manufacturers and legislators working together with the insurance industry to develop a framework to make this happen.’
British insurers are leading efforts to have a standard set of data agreed at an international level which would be easily accessible in the event of an accident involving a highly automated vehicle. This would include an indication of whether the vehicle was operating autonomously or not, and what technology was in use.
Shaw continued, ‘It’s in everyone’s interests to be able to establish the facts quickly and the proposals for standardised data being put forward by UK insurers would achieve this.’
The UN body responsible for vehicle regulations is preparing to impose its own data requirements on motor manufacturers from 2019, which insurers in the UK are hoping to influence for the benefit of motorists.
Huw Evans, ABI director general, said, ‘As part of insurers’ commitment to getting automated cars on the road and dramatically improving road safety, there will need to be basic data easily available to make sure customers are looked after if something goes wrong. This would offer public reassurance by protecting motorists from being incorrectly blamed if something fails with their car, helping police investigations and supporting prompt insurance pay outs.’