+ Publier publicitaire GRATUIT !
Stats d'annonce: Dernier 24h - 106, actuel - 1178, total - 87816

Report Predicts How Autonomous Cars Could Disrupt Insurance Segment

30 Mars 2016 - Automotive News

Report Predicts How Autonomous Cars Could Disrupt Insurance Segment

Autonomous-driving technology should raise auto insurers’ profits in the short term, even as it raises questions about their long-term business models, a new report predicts.

Increasingly common autonomous features, including automatic braking and lane departure prevention, will reduce the frequency of common accidents - although crossovers and higher-tech vehicles may require costlier repairs - Moody’s analyst Jasper Cooper wrote in the report. Cooper said many insurers will hold off on lowering premiums for the next decade to ensure that those declines are permanent, and enjoy fatter profits in the meantime.

But over the long term, autonomous-driving technology threatens to undercut insurers’ business models as fully self-driving vehicles enter the market and become commonplace, Cooper said. As accident rates decline, premiums will likely have to fall as well.

Widespread adoption of self-driving cars is still decades off, but it raises questions of what an auto insurer’s role will be in a world with far fewer accidents,” Cooper said in a statement. “Regulators, lawmakers and courts will have to determine how liabilities are shared among insurers, automobile manufactures and technology companies.”

Automakers including Ford, Nissan, Daimler and Tesla, and technology companies such as Google are developing fully autonomous vehicles with a goal of introducing them over the next few years. Cooper said a majority of vehicles could be self-driving by 2045, though significant “headwinds” remain, including further technology development and regulatory approvals.

While Cooper said the decline in accident rates is likely to be gradual, it could significantly cut into insurers’ revenue once the reduced risks are reflected in premiums. Personal and commercial auto policies combines to account for 43 percent of all written property and casualty premiums in 2014, according to Moody’s.

Despite that, Cooper said, “limited demand” for auto insurance will likely remain in the future since, among other factors, mechanical failures will still lead to accidents when self-driving cars are the norm, and because some vehicle owners will prefer to drive manually. He also said increased use of sharing services may boost demand for commercial auto insurance.

Cooper said that while the changes to auto insurance are likely to be “transformative,” companies will have decades to figure out how to adapt their business models.

We expect significant industry changes over time including product diversification, innovation, consolidation, failure, and the rise of new entrants better able to capitalize on new trends,” Cooper wrote in the report.

Nouvelles par Tags

2011 models2012 models3D printing458 italia6-series coupeA1A2abc motorsabu dhabiaccidentaccidentsaccordACIMacuraadvertisingafricaAIairbagairbagsairbusairportalcotestalfaalfa romeoalgeriaalibabaalpineamazonamphibiousandroidAnil Bachooappappleappointmentsappsapriliaarabiaargentinaarielarnold schwarzeneggerArtashok leylandasiaastonaston martinauctionaudiaudit reportaustraliaAustralian Grand Prixaustriaautoauto industryauto shanghaiauto showautonomous carautonomus carAutopilotautopont DecaenaventadorawardsAxessBagatellebahrain grand prixBAIBaie-du-TombeaubajajBalaclavaBambousBangkok International Motor ShowBangkok Motor ShowBangladeshbatmobilebatterybattlebeachbeachesBeau-BassinBeaux SongesBeaux-SongesbeetleBeijing Auto ShowBeijing Motor ShowBelgiumBell-Villagebentleybernie ecclestonebetamaxbetamax casebicyclebicyclesbikebikesbiodieselBlue-BaybmwboatboatsBogota Auto ShowBois-Marchand accidentBologna Motor ShowbondboschBPObrabusbrakesbrazilbribebribesbridgebridgestonebriobudgetbugattiBugatti ChironbuggybuickburnoutbusbusesbuyingbydcadillaccalebassescamaroCamp-ChapelonCanadacarcar buying tipscar dealerscar importcar marketcar rentcar rentalcar salescar servicecar sharingcar showcar theftcar washcarbon fiberCarPlaycarscartingcascavelleCaudanCCIDCCTVCEBcelebretiescelebritiesCentres De FitnessCESChamp de MarsChamp-de-MarsChengdu Motor ShowcherychevroletChevrolet CamaroChicago Auto ShowchinaCHINESE GRAND PRIXChris Evanschryslercitroencivicclassicclassic carclassic carsclassicscommercialcomparisonconceptconceptsconsumer reportsconvertiblecoromandelcorruptioncorvetteCourtCourtsCPBcr-vcrashcrash testcrash testscrossovercrowdfundingCubaCurepipecustom carCUVCWAcyclonedaciadaihatsudaimlerdakardartzdash camdashcamdatsunDelhi Auto ExpodeloreandesignDetroitDetroit Auto Showdéviationsdéviations routièresdieseldiesel scandalDIYDLCdodgeDPPdragdrag battledrag racedrag racingdriftdriftingdriver licensedriverless cardrivingdriving licensedriving schooldriving schoolsdriving testdriving tipsdronedronesdrugsdrunk drivingdsDubaiDubai Motor ShowducatiearthquakeEbayebeneecoecologyeconomyelectricelon muskengen motor showengineenginesEOCethanoletios livaEUEuropeeveventsexpofacebookfakeFast And Furiousfaux permis de conduireFernando AlonsoferrariferryFIAfiatfiestafilmsfinancesfinefinesfinlandFirefiskerfitness centerFlacqFlic-en-FlacfloodFloodsflying carFond-du-SacFootballForbachForbach accidentforce indiafordFord mustangformula1forza motorsportFrancefrankfurtfrankfurt motor showfraudFSCfuelfuel economy scandalfuel pricefuel stationfuel stationsfunnyfutureGaikindo Indonesia International Auto ShowGaikindo Indonesia International Motor ShowgamesgeargeelygenesisGeneva Auto Showgeneva motor showGermanygirlsgmgodzillagolfgolf carGoodlandsgoodwoodgooglegoogle glassGoProgovernmentgpsgran turismogrand tourgrand-baieGrand-Bassingreat wallgreecegreengreen energygrnoGros-CaillouxGRSE accidentGTAGymkhanahackershakershamannharley-davidsonHatchbackhealthcarehellcatHennesseyherohistoryhitachiholdenHollandHollywoodhondahonda civichonda cr-vHonda HR-Vhonda jazzHong Konghorsepower falsifyinghospitalshot wheelshotelhotelshoverbikehoverboardhow toHuayrahummerhumorhurricaneHusqvarnahybridhydrogenhyundaiHyundai i20Hyundai KonaHyundai TucsonHyundai Velosteri3i40ICACiframacIIHSillegal racingillegal taxiillegal transportIMCimportindiaIndia Auto ExpoIndian MotorcycleIndian OilindicaIndonesiaIndonesia International Motor Showindonesia motor showinfinitiInfinityinfrastructureinsuranceintelinteriorinteriorsiPadiphoneiranirelandIRPisraelisuzuIsuzu D-maxitaliaItalyjaguarjamesjames bondJames Mayjapanjapaneese carsjapanese carjapanese carsJapanese Grand PrixjazzJDMjeepjeep wranglerJeremy ClarksonjettaJin Feijobskartkawasakikei carken blockKenyakhankiaKia CeedKia ForteKia StingerKoenigseggkoreaKoshik ReesaulKTMLALA Auto ShowLa MarieLa PrairieLa VigieLallmatielamborghiniLamborghini AventadorLamborghini Uruslancialandland cruiserland roverLand Rover DefenderLarsen & ToubroLaventurelawsLe Morneleallegolewis hamiltonlexuslicenselight metrolimousineLionel Messilotuslow cost carLRTluxuryluxury carluxury carsM1m3macondemad maxMadagascarMahebourgmahindramaintenancemalaysiamanmansorymapsMare d’Albertmarketmarketingmartinmarutimaruti suzukiMaruti SwiftmaseratiMatt LeBlancMauritiansmauritiusmaybachmazdaMazda Mx-5mazda3McLarenmecedesmercedesmetroMetro Expressmexicomichael schumacherMicrosoftMidlandsminimitsubishiMitsubishi PajeroMitsubishi TritonmitsubushiMMMMokamonacomonaco grand prixMont-ChoisyMontagne-BlancheMontebello accidentmontereymoparMoroccomotomoto-écolemotormotor showMotor vehicle test centremotorcyclemotorcyclesmotorsportmotorsportsmotosportmoviesmpvMRAmugenmuscle carMusicmustangmv agustaMVDANADA Auto ShowNandanee SoornackNando Bodhananonascarnavigation systemnavigation systemsNavin RamgoolamNCGNDUNepalnetherlandsnew carnew york auto shownew zealandnfsNHTSANigerianissanissanNissan LeafNissan TerranorwayNouvelle-FranceNTANTCNurburgringoff-roadoffroadOlympic Gamesopelpaganipagani huayraPaillesPakistanPamplemoussespanasonicParisparis motor showparkingparliamentPebble Beachpenaltiespenalty pointsPereyberepermis de conduirePetit-RaffrayPetite-RivièrepetrolpeugeotPhilippinesPhoenixpickuppickupspininfarinapirelliPitonPlace de l’ImmigrationPlaine-LauzunPlaine-MagnienplayboyPNQPointe-aux-SablespolandpolarispolicepoliticspollutionPomponettepontiacporscheporsheportPort LouisPort-LouisPoste-de-FlacqPPCPPPprankPravind JugnauthpricepricespriusproguardprotestsprotonPSApublic transportpublict transportQ3qorosQuartier-Militairequatre-bornesr8Raceracingrainrallyramrangerange roverratingsRDArecallrecallsrecordrecordsred bullreduitrenaultrenderingrent a carrepairreplicaReunionRezvaniRHTRiambelRichard DuvalRichard HammondRiche-TerrerickshawrimacRing RoadrioRiviere-du-RempartRiviere-Noireroadroad accidentroad accidentsroad rules & regulationsroad safetyRoad Traffic ActRoad Traffic Amendment Actroadsroads safetyrobberyrobotrobotsroche-boisRodriguesrolls-royceromeorose-belleRose-HillroverRoyal EinfieldRoyal EnfieldRRSRSUrumoursRussiasaabsafetysafety ratingssafety testsafety testsSaint-PierreSainte-Croixsalesamsungsamusao paulo auto showSao Paulo Motor Showsaudisaudi arabiascamscandalscaniaschool busschool vanscooterscootersseatsebastian vettelsecond hand carsecond hand carssecond hand cars importself driving carself-drivingself-driving carself-driving carsSEMASEMA showSeoul Motor Showservice stationsShanghaishanghai motor showshelbyShellshowsingaporeSingapore Grand PrixskodaSlovakiasmartsnakeSobrinho caseSohail Sesungkursolar energysorezesoreze accidentsoulsound systemssouthsouth africasouth koreaspainspare partsspeed camerasspeed limitspeedingsportSportscarspy shotsssang yongSsangYongSt-JeanSt-Julienstar warsstartupstatisticsSTCstreet racingstrikestudysubaruSudhir SesungkursudySunshine AutosupecarssupercarssuprcarssurveySUVsuzukiSuzuki IntruderSuzuki JimnySuzuki Swiftsuzuki vitaraSuzuki XbeeSwedenswiftSwitzerlandTATaiwantakatatamarintankTanzaniaTarisa Resorttatataxtax fraudtaxestaxiTBStechnlogytechnolgytechnologytenderTerre-RougeTerre-Rouge–Verdunteslatesla model stest driveteststhailandThailand International Motor ExpoThe Grand TourtheftThierry Henryticket pricetipstiresTMRSUtokyoTokyo Auto Salontokyo motor showtoptop geartotaltoyotaToyota Alphardtoyota corollaToyota HiluxToyota RAV4Toyota Rushtoyota supraToyota Tacomatoyota yaristoystoytatrafficTraffic BranchtrailertransformerstransporttrendsTrianontricksTriolettriumphTrou d’Eau DouceTrou-FanfarontrucktruckstsunamituningTurkeytvstyresUAEuberUBSukukraineunionsuomuralUSused carused car importused carsVacoasVacoas-Phoenixvanvarma caseVeer Luchoomunvehicle inspectionVehiclesvelostervenezuelaVerdunVictoria Bus StationVictoria stationvideoVienna Auto ShowvietnamVintagevintage carsVipervivo energyvolkswagenvolvovwwaymoWeatherwheelsWootonWorldyachtyamahayariszagato
Vendez Votre Auto