| Popis: |
This study examines how automatic driving systems, such as automatic control using AI (artificial intelligence), affect automobile insurance. It is natural, however, that a driver may be able to drive his/her car without automatic driving systems where driving problems are anticipated. This implies that cars having automatic driving systems, such as “automatic controlling mode using AI” coexist with “driver controlling mode”. If insurance companies and car manufacturers can not verify which mode was engaged when a car accidents occurred. This leads to ex post moral hazard because drivers have incentive for false statements as if drivers had driven by himself/herself because their rate of responsibility may be reduced by product reliability law. Ex post moral hazard of false statements may also lead to ex ante moral hazard simultaneously. I show a solution to reduce these moral hazard using IoT (Internet of Things) technologies. |
