Behind the steering wheel of a semi-autonomous vechicle. A dual vehicle insurance system — one provided by manufacturers and another offered by traditional auto insurers — will muddy the market. In practice, such a system will create endless questions in claims processing regarding who is covered, for what and under which regulatory and legal framework. (Photo: scharfsinn86/Adobe Stock)

Rising sales of semi-autonomous vehicles like Tesla are challenging insurers to rethink how traditional insurance packages can accommodate accident claims where fault — driver versus auto technology — is much tougher to assess.

“We are at an inflection point in the evolution of transportation, which requires tailor-made risk solutions,” said Julie Brown, general manager, Mobilitas Insurance, a provider of insurance coverage for in-development self-driving vehicles by Cruise.



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