Swiss Re Ag · SIX:SREN
Swiss Re — EMEA Claims Conference 2018
15 slides from Swiss Re's conference presentation, March 2018
Slide 1: Autonomous cars & liability: shifting the blame?
Restricted - do not distribute beyond defined distribution list or make copies Autonomous cars & liability: shifting the blame? EMEA Claims Conference 2018 | Rüschlikon, 6th – 7th March | Fabrizio Brenner - Miguel Estela
Slide 2: What we would like to achieve with this presentation?
Restricted - do not distribute beyond defined distribution list or make copies What we would like to achieve with this presentation ? understand if we are ready for autonomous cars think about different potential liable subjects and new emerging liabilities understand MTPL legal framework: is
Slide 3: News around the world…
News around the world… Restricted - do not distribute beyond defined distribution list or make copies EMEA Claims Conference 2018 | Rüschlikon, 6th – 7th March | Fabrizio Brenner - Miguel Estela 3
Slide 4: Expected timeline: introduction of automated features
Restricted - do not distribute beyond defined distribution list or make copies Expected timeline: introduction of automated features From ADAS (advanced driver assistance system) to full autonomous driving Level 4 Level 3 Full self-driving Level 2 Limited self - automation Level 1 Combined driving F
Slide 5: Swiss Re estimates for accident reduction rates
Restricted - do not distribute beyond defined distribution list or make copies Swiss Re estimates for accident reduction rates Basic ADAS features (L1): ______ Medium ADAS features (L2): ______ High ADAS features (L2): ______ EMEA Claims Conference 2018 | Rüschlikon, 6th – 7th March | Fabrizio
Slide 6: Medium term benefits besides safety
Restricted - do not distribute beyond defined distribution list or make copies Medium term benefits besides safety DRIVERLESS PARKING DELIVERY OF PERSONS ELECTRIC CARS AND FREE UP TIME OF DRIVER AND GOODS DRIVERLESS RECHARGING Freeing-up parking space in Self-driving cars Self-driving cars can reduc
Slide 7: Automated vehicles & legal framework: is the introduction allowed?
Restricted - do not distribute beyond defined distribution list or make copies Automated vehicles & legal framework: is the introduction of automated vehicles allowed ? L1&L2 vehicles L3&L4 vehicles ALLOWED but … • driver’s attention and supervision required • OEM needs to warn driver and keep him a
Slide 8: Automated vehicles & liability: potential subjects
Restricted - do not distribute beyond defined distribution list or make copies Automated vehicles & liability: 2 potential subjects MTPL • liability rests with driver or owner unless crash can be traced back to product • negligence or strict liability regime depending on state / country • concern: H
Slide 9: Comparison between various European countries
Restricted - do not distribute beyond defined distribution list or make copies Comparison between various European countries Country Avg Level of Automation Self-Driving Trials in place National Road Traffic Changes in Law MTPL Cover Applicable Specific Insurance Products Available ITALY L1/2 NO NO
Slide 10: Legal & liability considerations: MTPL vs. Product Liability
Restricted - do not distribute beyond defined distribution list or make copies Legal & liability considerations: MTPL vs. Product Liability MTPL Product liability Advantages: Advantages: 1. Already applicable in several countries 1. In line with increasing importance of automated features 2. Time cy
Slide 11: Potential “liable” subjects: crash of an “autonomous car”
Restricted - do not distribute beyond defined distribution list or make copies Potential “liable” subjects: crash of an “autonomous car” Hacker ? El.magnetic waves & nanomaterial ? A steering wheel is hacked and stops Other ? steering. liability The car owner did OEM ? not update the software Car Ow
Slide 12: The philosophical dilemma of the car without driver
Restricted - do not distribute beyond defined distribution list or make copies The philosophical dilemma of the car without driver Isaac Asimov's "Three Laws of Robotics“: science fiction becomes a reality …. 78 years later ! 1. A robot may not injure a human being or, through inaction, allow a huma
Slide 13: Q&A
Restricted - do not distribute beyond defined distribution list or make copies Q&A EMEA Claims Conference 2018 | Rüschlikon, 6th – 7th March | Fabrizio Brenner - Miguel Estela 13
Slide 14: Legal notice
Restricted - do not distribute beyond defined distribution list or make copies Legal notice ©2016 Swiss Re. All rights reserved. You are not permitted to create any modifications or derivative works of this presentation or to use it for commercial or other public purposes without the prior written p
Slide 15: Restricted - do not distribute beyond defined distribution list or make copies EMEA Claims
Restricted - do not distribute beyond defined distribution list or make copies EMEA Claims Conference 2018 | Rüschlikon, 6th – 7th March | Fabrizio Brenner - Miguel Estela 15