In our columns, we regularly talk to you about artificial intelligence, in particular about cars, autonomous driving and the technologies of the future that will appear in our models of tomorrow.
In some models, such as DS or Volkswagen, AI is already “perceptible”, in particular thanks to the integration of ChatGPT. But compared to the technologies that are coming, you can immediately say that this is nothing compared to what awaits us.
A revolution for insurance?
However, apart from the car as a product, AI will also allow everything that revolves around it to change many things, especially from the insurance side and damage assessment during road accidents. And this is what prompted the question of one of the readers of Auto Plus magazine #1849, which was on newsstands this week: “Can insurers use artificial intelligence to assess insurance claims? »
On this question, our expert Antoine Jacot was categorical: “It’s for sure. Today, there are powerful digital tools that allow you to estimate the cost of repairing a damaged car automatically, without human intervention, based on simple photos. Insurers could easily do this, especially after the introduction of electronic reporting (which never caught on), which allows them to get near-real-time images of the damaged vehicle. »
Lawmaker in ambush
But for now, insurers aren’t there yet and are still calling in auto experts. And there is still work to be done before changing the legislation in this direction.
“This, however, is strictly forbidden to them due to article L.326-4 of the Road Traffic Code, which stipulates that only an automotive expert registered in the national list established by the Ministry of the Interior is entitled to write a statement. expert opinion on damage assessment. And this is good, because it guarantees the policyholder an assessment established by a neutral and independent third party. »
You’ve realized that artificial intelligence for car claim assessment isn’t going to happen tomorrow, and even if it does one day, there will undoubtedly be several steps to full automationwithout human intervention.
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Source: Auto Plus
Robert is an experienced journalist who has been covering the automobile industry for over a decade. He has a deep understanding of the latest technologies and trends in the industry and is known for his thorough and in-depth reporting.