The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving

Alexander G. Mirnig; Alexander Meschtscherjakov; Rod McCall; Manfred Tscheligi

doi:10.1145/3342197.3344540

The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving

Alexander G. Mirnig (Speaker), Alexander Meschtscherjakov, Rod McCall, Manfred Tscheligi

Center for Technology Experience

Research output: Chapter in Book or Conference Proceedings › Conference Proceedings with Oral Presentation › peer-review

Abstract

In light of recent incidents, it has become increasingly relevant to determine who is responsible in case of accidents involving automated vehicles. In this paper, we investigate the question of liability in automated vehicles of SAE levels 3 and above. We claim that there is a mismatch between current liability practices, where a designated driver is usually held responsible, and future perspectives, where the human assumes more and more a passive passenger-like role. Our claims are supported by the results from an interview study with insurance companies from two European countries.We show that insurers lack sufficient data to make informed decisions on how to apportion liability in SAE level 3+ scenarios. We discuss how these considerations have to be reflected in interfaces for the driver in order to make the legal status transparent for the driver.

Original language	English
Title of host publication	AutomotiveUI '19: Proceedings of the 11th International Conference on Automotive User Interfaces and Interactive Vehicular Applications
Pages	113-122
Number of pages	10
DOIs	https://doi.org/10.1145/3342197.3344540
Publication status	Published - 2019
Event	AutomotiveUI'19 - 11th International ACM Conference on Automotive User Interfaces and Interactive Vehicular Applications - Duration: 22 Sept 2019 → 25 Sept 2019

Conference

Conference	AutomotiveUI'19 - 11th International ACM Conference on Automotive User Interfaces and Interactive Vehicular Applications
Period	22/09/19 → 25/09/19

Research Field

Former Research Field - Capturing Experience

Access to Document

10.1145/3342197.3344540Licence: Unspecified

Cite this

Mirnig, A. G., Meschtscherjakov, A., McCall, R., & Tscheligi, M. (2019). The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving. In AutomotiveUI '19: Proceedings of the 11th International Conference on Automotive User Interfaces and Interactive Vehicular Applications (pp. 113-122) https://doi.org/10.1145/3342197.3344540

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title = "The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving",

abstract = "In light of recent incidents, it has become increasingly relevant to determine who is responsible in case of accidents involving automated vehicles. In this paper, we investigate the question of liability in automated vehicles of SAE levels 3 and above. We claim that there is a mismatch between current liability practices, where a designated driver is usually held responsible, and future perspectives, where the human assumes more and more a passive passenger-like role. Our claims are supported by the results from an interview study with insurance companies from two European countries.We show that insurers lack sufficient data to make informed decisions on how to apportion liability in SAE level 3+ scenarios. We discuss how these considerations have to be reflected in interfaces for the driver in order to make the legal status transparent for the driver.",

author = "Mirnig, {Alexander G.} and Alexander Meschtscherjakov and Rod McCall and Manfred Tscheligi",

year = "2019",

doi = "10.1145/3342197.3344540",

language = "English",

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pages = "113--122",

booktitle = "AutomotiveUI '19: Proceedings of the 11th International Conference on Automotive User Interfaces and Interactive Vehicular Applications",

note = "AutomotiveUI'19 - 11th International ACM Conference on Automotive User Interfaces and Interactive Vehicular Applications ; Conference date: 22-09-2019 Through 25-09-2019",

}

Mirnig, AG, Meschtscherjakov, A, McCall, R & Tscheligi, M 2019, The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving. in AutomotiveUI '19: Proceedings of the 11th International Conference on Automotive User Interfaces and Interactive Vehicular Applications. pp. 113-122, AutomotiveUI'19 - 11th International ACM Conference on Automotive User Interfaces and Interactive Vehicular Applications, 22/09/19. https://doi.org/10.1145/3342197.3344540

The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving. / Mirnig, Alexander G. (Speaker); Meschtscherjakov, Alexander; McCall, Rod et al.
AutomotiveUI '19: Proceedings of the 11th International Conference on Automotive User Interfaces and Interactive Vehicular Applications. 2019. p. 113-122.

Research output: Chapter in Book or Conference Proceedings › Conference Proceedings with Oral Presentation › peer-review

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AB - In light of recent incidents, it has become increasingly relevant to determine who is responsible in case of accidents involving automated vehicles. In this paper, we investigate the question of liability in automated vehicles of SAE levels 3 and above. We claim that there is a mismatch between current liability practices, where a designated driver is usually held responsible, and future perspectives, where the human assumes more and more a passive passenger-like role. Our claims are supported by the results from an interview study with insurance companies from two European countries.We show that insurers lack sufficient data to make informed decisions on how to apportion liability in SAE level 3+ scenarios. We discuss how these considerations have to be reflected in interfaces for the driver in order to make the legal status transparent for the driver.

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The Insurer´s Paradox: About Liability, the Need for Accident Data, and Legal Hurdles for Automated Driving

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Conference

Research Field

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