保险学-自动驾驶技术对汽车保险的影响

自动驾驶技术对汽车保险的影响【摘要】汽车保险作为财产保险的第一大险种，对财产保险公司而言至关重要。迅速发展的自动驾驶技术势必将会改变汽车行业，进而对汽车保险行业产生深远的影响，然而车险行业却对自动驾驶技术缺乏了解，疏于准备。本文首先概括描述了汽车保险市场和业务的现状，发现了一些问题。再通过介绍自动驾驶汽车的分级、发展进程、现状、应用和前景，加深对自动驾驶的认知和理解。随后梳理了自动驾驶技术对汽车保险在市场和业务的多方面影响，显示出其影响的广泛和准备的必要性。最后为财险公司提出了可供参考的应对措施，以期助力财险公司应对自动驾驶技术的挑战。【关键词】汽车保险；财产保险公司；自动驾驶技术；无人驾驶出租Impact of Autonomous Driving Technology on Auto Insurance[Abstract] As the first type of property insurance, auto insurance play a very important role in property insurance companies. Inevitably, the rapid development of autonomous driving technology will change the automobile industry, thus have a profound impact on the auto industry. However, the auto insurance industry still lacks understanding and preparation for autonomous driving technology. This article first outlines the current status of the auto insurance market and business and finds out some problems. Then, by introducing the classification ,development process, current situation, applications and prospects of autonomous vehicles, we deepen our understanding of autonomous driving. After that, this paper sorts out the influences of autonomous driving technology on auto insurance in many aspects of the market and business. showing the wide range of impact and the necessity of preparation. Finally, it proposes countermeasures for property insurance companies in order to help them cope with the challenges of autonomous driving technology.[Keywords] auto insurance property insurance company autonomous driving technology robo-taxi目 录1 前言..............