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This paper is an updated and amended version of a report answering the questionnaire “New technologies” (General Co-Reporters: Kyriaki Noussia and Rob Merkin) in preparation of the World Congress of the International Insurance Law Association (AIDA) 2018.
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.
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New technologies. Political, legal, economic and factual impact in Germany
German National Report. World Congress of the International Insurance Law Association (AIDA) 2018
- Springer Berlin Heidelberg
Zeitschrift für die gesamte Versicherungswissenschaft
German Journal of Risk and Insurance
Print ISSN: 0044-2585
Elektronische ISSN: 1865-9748