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Risk-adequate motor underwriting of automated vehicles: a qualitative evaluation using German focus groups
Spickermann, Florian; Mullins, Martin; Murphy, Finbarr
The full text of this article will not be available in ULIR until the embargo expires on the 25/04/2021 The advent of automated vehicles is already taking place and will significantly disrupt the motor insurance industry. The shift from the human driver to the system as the driver cannot be reflected in the current insurance risk assessment. This call for an amendment of the insurance underwriting was discussed with German experts from both the primary insurance and reinsurance sector with their professional background on motor insurance. Based on the findings, we propose an alternative method to underwrite automated vehicles of level 4 & 5 using an enhanced telematics approach which considers new risk categories such as systems used and the transformed role of the driver as the general user of the automated vehicle.
Keyword(s): automated driving; motor insurance; expert discussion; risk assessment
Publication Date:
2020
Type: Journal article
Peer-Reviewed: Yes
Language(s): English
Institution: University of Limerick
Citation(s): 690772
Environment Systems and Decisions;
https://doi.org/10.1007/s10669-020-09771-2
Publisher(s): Springer
First Indexed: 2020-06-04 06:54:48 Last Updated: 2020-06-04 06:54:48