Key insight: Insurers should rethink AI risks in autonomous vehicles Forward look: Insurers will change how they cover AVs Autonomous vehicles' use of AI changes how insurers evaluate the risks, especially when the decision process is not properly documented, according to experts in underwriting and insurance risk.
Figuring out what an AV's AI has done in a risky situation can be difficult to determine, Schmid said.
"Insurers don't necessarily have visibility into the AI system's decisions and its logs of data," he said.
Insurers must also consider whether an AV is using AI for any of three functions, Schmid said: Perception.
In some potential accident scenarios, since developers of an AV's AI may have programmed the vehicle to weigh risks of different actions, insurers should act accordingly, Gibbs said.