The automation and networking of automobile traffic brings a variety of new challenges. Manufacturer and insurer see basic risk-changes.
Munich (Reuters) – The growing number of electric cars mean for the insurance to new risks. “Capacity weaknesses of batteries, complex and expensive repairs, changes in fire behavior, cyber risks, as well as the sustainable procurement and disposal of critical components and raw materials”.
This is the Allianz insurance company listed on Tuesday as challenges. The number of electric cars is expected to rise from today’s seven million in the next ten years to 100 million. This will change the risks for manufacturers, suppliers, and insurers are fundamentally different.
electric vehicles are rarely involved in accidents. But damages are usually more expensive than conventional cars: “If the battery needs to be replaced in an electric car, this can mean, in many cases, a total loss. In addition, the repairs are usually performed only in specialized workshops, and are, therefore, more expensive,” stated Alliance technology expert Carsten Reinke, Meyer.
In the case of defects will clarify the liability is more complicated – for example, in the case of batteries which do not meet the guarantees for performance and durability, or in the case of Overload or damage to burning and high amounts of toxic gases are set free. The rapid Transition to E-could lead to cycles of mobility with new technology and short development “to an increase in product defects and quality problems and product recalls triggered in the automotive industry,” said the Alliance.
More networking and digitization, more “Cyber-vulnerabilities, hot, malicious attacks, system failures, Bugs and malfunctions to allow”. The components in E-cars to be more integrated. It would be more complicated to clarify how they interact, and which the manufacturer or supplier for a Defect or Malfunction liable to you should.
