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保險公司遇難題:無人駕駛汽車怎么破?

所屬教程:金融時報原文閱讀

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2020年01月06日

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保險公司遇難題:無人駕駛汽車怎么破?

發生事故時究竟是什么原因?到底是機器在操作、還是用戶在使用程序?如果不是人為的,那責任該找誰來界定?這些都是保險公司頭疼的問題。

測試中可能遇到的詞匯和知識:

severity 嚴重,猛烈[s?'ver?t?]

premium 保險費,溢價['pri?m??m]

halve 二等分[hɑ?v]

way off 離得很遠

collision 碰撞[k?'l??(?)n]

afield 遠處,戰場上[?'fi?ld]

Insurers face driverless cars challenge(480words)

By Oliver Ralph

The development of driverless and automated cars could shrink the size of the UK motor insurance market and force insurers to diversify,Standard & Poor's has warned.

In a report on the impact of automation,the rating agency said the trend would reduce the frequency and severity of claims,pushing down premiums.

“It will be some time before these features become common,but when they do we expect a continuation in the trend of falling accidents,” said Robert Greensted,analyst at S&P.

The total number of vehicle miles driven has remained static in the UK over the past 15 years,but the number of people killed or seriously injured has almost halved.

According to KPMG estimates,by 2040 the personal automobile insurance sector could shrink to less than 40 per cent of its current size.

The arrival of completely driverless cars(without steering wheels or pedals)on the roads is still some way off — 20 years,according to Thatcham,an automotive research centre — but in the shorter term,more basic levels of automation are already having an impact.

“We are seeing some great benefits,especially in autonomous emergency braking,which leads to a reduction in accident frequency and a 40 per cent reduction in personal injury claims,” said Peter Shaw,chief executive of Thatcham. “We are calling for regulation of autonomous braking — we'd like to see it made a legal requirement.”

Almost three-quarters of cars launched last year had autonomous emergency braking as either standard or an optional extra.

While these developments have undoubted safety benefits,they create challenges for insurers. “We'll need to know,at the time a car has a collision,who is in charge. Was the vehicle self-driving,or was the owner driving?The vehicle status — who is doing the driving — needs to be available to all insurers,” said Mr Shaw.

“Over the next 20 to 30 years we will see a shift from personal liability to product liability but perhaps not a complete shift,” he added.

The insurance industry is readying itself for a response. The Association of British Insurers,along with Thatcham and 11 insurers including Admiral,Direct Line,LV= and the Lloyd's insurance market,has created a group to work with the government on the future of automated vehicle use.

The issues it will consider include liability after an accident,the use of data and potential changes to traffic laws. The group will be chaired by David Williams,head of underwriting at Axa.

S&P believes that,faced with the impact of automation,motor insurers will have to diversify into other businesses,including home,pet or gadget insurance.

But it is possible they will look further afield. “They may also look to non-insurance products. A number of insurers already own price comparison sites. They might also look into consumer finance — a lot of them offer premium finance already,” said S&P's Mr Greensted.

1.Which one would be increased by the trend of automation in the report?

A.severity of claims

B.efficiencies

C.premiums

D.frequency of claims

[1] 答案

2.What is the attitude towards completely driverless cars' generalization by Thatcham?

A.technical leak

B.violate the principle

C.insignificant

D.need time

[2] 答案

3.What is the percentage of cars launched had autonomous emergency braking as either standard or an optional extra in 2015?

A.40%

B.50%

C.75%

D.25%

[3] 答案

4.What is the trend of insurance industry in the further?

A.digitize

B.diversify

C.privatization

D.nationalization

[4] 答案

[1]答案:B.efficiencies

解釋:評級機構表示,這一趨勢將減少索賠的頻率和嚴重程度,降低保險費,所以可以提高效率。

[2]答案:D.need time

解釋:Thatcham表示,完全自動化的汽車(沒有方向盤、腳踏板等)上路還需要大概20年,但是現在小型自動化汽車已經產生了一定影響。

[3]答案:C.75%

解釋:原文的表述是“three-quarters”。

[4]答案:B.diversify

解釋:綜合全文,未來的保險產業將越來越多樣化。Nationalization指國有化。

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