Abstract
New technologies influence the insurance sector in Germany in many ways. This is also reflected in changes in the legal framework. For example, the German legislator has introduced new rules for highly and fully automated driving. In the future, autonomous driving will raise the question of the effects of the fact that there is no longer a driver on liability and insurance. The article shows that the German system of owner (“holder” or “keeper”) liability in combination with compulsory liability insurance also offers a convincing solution for this challenge, especially with regard to an effective protection of traffic victims. Another field is cyber risks. They have led to the development of a new insurance cover. Digitalisation presents new opportunities for the contract conclusion process and the regulation of insurance claims, but there are also some legal challenges to be addressed. Last but not least, the use of robots and nanotechnology is leading to new types of risks and to modified coverage concepts. This article deals with current developments in Germany.
Highlights
Zusammenfassung Neue Technologien beeinflussen den Versicherungssektor in Deutschland in vieler Hinsicht
Are there any specific laws already adopted in your jurisdiction, or proposals for laws, relating to liability in tort for injuries inflicted by the use of such vehicles or vessels? If so, please provide a short explanation
The German Road Traffic Act (RTA; Straßenverkehrsgesetz, StVG) ensures that both the driver and the so-called keeper (Halter)—who is the registered holder of the car who decides on its use and who bears the running expenses, and who will often but not necessarily be its owner at the same time—1 of a motor vehicle are liable for damages caused by the use of the vehicle.[2]
Summary
Politische, wirtschaftliche, rechtliche und faktische Auswirkungen in Deutschland. Zusammenfassung Neue Technologien beeinflussen den Versicherungssektor in Deutschland in vieler Hinsicht. Hat der deutsche Gesetzgeber neue Regeln für das hochund vollautomatisierte Fahren in Kraft gesetzt. In der Zukunft wird das autonome Fahren die Frage nach den Auswirkungen des Umstands, dass es keinen Fahrer mehr gibt, auf Haftung und Versicherung aufwerfen. Der Beitrag zeigt, dass das bewährte deutsche System einer Halterhaftung in Kombination mit einer obligatorischen Haftpflichtversicherung auch dafür eine überzeugende Lösung bietet, die insbesondere dem Schutz von Verkehrsopfern gerecht wird. Auch der Vertragsschlussprozess und die Regulierung von Versicherungsfällen werden durch die Digitalisierung vor neue Möglichkeiten, aber auch vor rechtliche Herausforderungen gestellt. Der Beitrag geht auf die aktuellen Entwicklungen in Deutschland ein. Comment: Answers may include the liability of drivers, producers of vehicles and the suppliers of satellite technology
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