What liability regime should be applied to artificial intelligence?
Claims Handler at Allianz Global Corporate & Specialties, Member of the Board of IETL
Based on decisions of the European Parliamant and the European Commission, a group of experts established a report that recently was published.
According to this report, the deployment of artificial intelligence must be accompanied by sufficient guarantees to minimize the risk of damage that these technologies can cause. If a damage results, the victims will seek compensation on the basis of private law liability regimes, possibly in combination with insurance. It is therefore necessary to make certain adjustments to the existing European and national liability regimes. The report identified ten points for attention in this regard. The main points to be considered are:
- Strict liability for damages resulting from the operation of AI-driven robots in public places.
- The user of a technology with a certain degree of autonomy should not be less responsible for the resulting damage than if this damage had been caused by a human assistant.
- Manufacturers of digital products should be responsible for damage caused by defects in their products, even if the defect results from changes made to the product under the control of the producer after it is placed on the market.
- In situations exposing third parties to an increased risk of harm, mandatory liability insurance could give victims better access to compensation and protect potential tortfeasors from the risk of liability.
- Victims should be entitled to reduction in the level of evidence.
- The lack of recording data should result in a reversal of the burden of proof so as not to harm the victim.
- Autonomous devices or systems should not be given legal personality, as the harm they can cause can and should be attributable to existing people or organizations.
Link to the report: https://ec.europa.eu/transparency/regexpert/index.cfm…
Vehicle claims assessment by artifical intelligence
The Spanish Insurance Admiral Seguros announced to use Artificial Intelligence to assess vehicle damages.
The company has introduced an AI solution, developed by the technology company Tractable of which is said that it accurately assesses vehicle damages with photos submitted via a web app. The app should complete the complex manual tasks that a vehicle inspector would normally perform and should produce a damage assessment in minutes, possibly even without the need for further review.
It is planned that the claims department will make an immediate payment offer to the insured when the damage assessment has been received. Many claims should be resolved this way in hours, possibly even on the first call.
Admiral Seguros hopes to provide with this digital claims management process a claims settlement without the need for travel or other waste of time to its policyholders.
As reported from our network of insurance and traffic law experts, also the Polish insurer PZU makes very positive experiences with this procedure
Auto insurance registration App
Proof of insurance made easy:
Two young entrepreneurs are developing an App and making a contribution to the digitization of the Swiss insurance market.
They get inquiries from all over Switzerland. Obviously, they hit a nerve. There is a need for garages, but also for transport companies and even private individuals. Although they have so far only developed an iPhone app and did not advertise it. They themselves are amazed that people are looking for an app for motor vehicle insurance certificates.