"Human-machine co-driving" advances again, smart driving risks still linger in the "bottom-up service" stage.

Recently, the Ministry of Industry and Information Technology officially announced the first batch of L3 level vehicle access permits in China, and the pilot cities of Chongqing and Beijing have also started issuing special license plates, taking a key step towards the commercialization of L3 level autonomous driving. In the L3 level "conditional autonomous driving" mode, the concept of "human-machine co-driving" has evolved. Compared to the current prevailing L2 level "assisted driving," the L3 level introduces the concept of "human-machine transfer" for the first time, with the core risks focusing more on system reliability, algorithm decision-making, sensor performance, and other variables. Regarding the new risks arising from intelligent driving, there is concern in the market about who is liable in the event of an accident. Recently, journalists conducted research with market entities such as car companies and insurance companies and found that the so-called "smart driving insurance" products that have appeared in the market in the past two years are actually backup plans provided by car companies or intelligent driving solution suppliers, rather than genuine insurance products. Industry insiders believe that in the future, as intelligent driving scenarios continue to evolve, truly innovative smart driving insurance products that break down data barriers and navigate the complex maze of human-machine liability must keep pace to ensure the safety of intelligent driving.