"Man-machine co-driving" advances again, smart driving insurance still lingers in the "bottom service" stage.

With algorithms as the compass, sensors as the eyes, the evolution of intelligent driving technology is bringing about a transportation revolution. Recently, the Ministry of Industry and Information Technology officially announced the first batch of L3-level vehicle access permits in China. The pilot cities of Chongqing and Beijing have also issued special license plates, taking a key step towards the commercialization of L3-level automated driving. Under the L3-level "conditionally automated driving" mode, the concept of "human-vehicle co-driving" has advanced again. Compared to the prevailing L2-level "assisted driving," the L3 level introduces the concept of "human-vehicle transfer" of driving responsibility for the first time, with the core risk focusing more on system reliability, algorithm decision-making, sensor performance, and other variables. Concerns about who will be responsible in the event of accidents have become a market issue. Recent research from market entities such as car manufacturers and insurance companies revealed that the so-called "smart driving insurance" products that have appeared on the market in the past two years are actually backup plans provided by car manufacturers or smart driving solution providers, rather than genuine insurance products. Industry experts suggest that in the future, as smart driving scenarios continue to evolve, genuine smart driving insurance products tailored to these scenarios should keep pace with innovation, break through data barriers, navigate through the complex human-vehicle responsibility maze, and tightly fasten the safety belt for intelligent driving itself.