Self-directed Vehicles future challenge for the insurance industry - Bitcoin Forex Loans Insurance Busines

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Sunday, October 1, 2017

Self-directed Vehicles future challenge for the insurance industry

The vehicles self - directed have arrived at the moment though this initiative is in its infancy - and in theory have done to stay and go progressively conquering the automotive industry .

We begin with a real story.

A friend of mine was in the car with his girlfriend and suddenly it threw a scare as he screamed as he stuck vehicle next door was running without driver . Magic? ¿Alien technology? No. Scotland. The driver was simply in the right seat and the left was vacant, and the instinctive reaction of the girl came to not have realized that detail ...

However, this story of the mysterious driverless car is a few years to become a reality. The vehicles self - directed  have arrived at the moment though this initiative is in its infancy - and in theory have done to stay and go progressively conquering the automotive industry . Forecasts indicate that in 2020 will begin to circulate officially the first on the roads in 2035 will have sold more than 50 million of them since mid-century most of the world fleet will consist of self - directed vehicles  that will not require driver.

The first steps in this direction are already taking place . In recent years several companies, among which are Google , have worked on the development of this type of vehicles that drive themselves using artificial intelligence , computer sensors and GPS technology instead of using the work of humans . And they have done creating prototypes with those who have even perform tests on the road .
By the way, recently a couple of them were about to collide with each other in Palo Alto , California , generating great media coverage. But no one says that the beginnings are easy. And advance the science and technology : trial and error-trial and error-test-wise .

What advantages will self-directed vehicles?

Despite these initial setbacks logical, expectations are really positive about the benefits of the implementation of vehicle self - directed on the roads . First, because it will be a very important reduction in accident rate . The statistics show that a high percentage of accidents that cause fatalities in traffic are due to human error , and the introduction of these new means of transportation would reduce to almost zero the possibility of error.

The comfort behind the wheel for passengers would, of course, another asset for, and the advantage that all occupants of these vehicles may use the time during the trip having no driver.

The traffic , another current big problems especially in big cities and highways more transitadas- be mitigated, and environmental pollution is reduced to one made more efficient driving and less polluting than made by a human being.

But not all the worlds of Yupi therefore also appear drawbacks: possible difficulties, in terms of legislation and regulations and for circulation, to the coexistence of cars and others; the danger of hackers , which appear as the main threat to the new generation of vehicles; and the lack of knowledge in society-moment regarding this new technology: according to a report, two out of three people do not figure in the hands of an autonomous car. We will have to invest, therefore, in training and information .

Safe-fiction

But let's play a little safe-fiction , wondering how the insurance industry would adapt to the progressive arrival to markets and self - directed road cars.

We took out the crystal ball and (not without risk of error since no one can know for sure what will happen in the future) we see in it that the policies would be lower, since in theory the accident would be greatly reduced because actions the vehicles would be predictable and they do not fail to comply, unless a technological error traffic rules.

Car in self - directed policies seems also clear that charge a great importance coverages computer related, as one that contemplase a possible system failure or other customer that would protect against the possibility of a computer attack by a hacker .

In the near future not only insured / drivers should take out a policy, but the automobile may also choose to make hedging its bets against the possibility of technical errors and things NOT OPERATE produced as planned.

But this is all part of the realm of speculation. We'll see what lies reality. What is clear is that the car comes inexorably into a new era, and insurance should know the best way to adapt to it. The challenge is expected interesting.