人工智能时代责任保险制度探讨

On Liability Insurance System in the Era of Artificial Intelligence

因智能技术革命而产生的新型社会风险部分属于合法风险,不具有法律和道德上的可责难性。人工智能时代法律规则的设计重心发生由责任承担向损失分配的转向,法律责任制度的功能部分转移至责任保险制度。人工智能技术应用推动责任保险制度从“单一承保模型”向“双轨制承保模式”转变,可以构建“双层保险框架”。为平衡受害人权利救济与智能产业创新,需要建立限额赔偿制度。

The new social risks caused by the revolution of intelligent technology are not legally and morally accountable.In the era of artificial intelligence,the focus of legal rules design has shifted from liability to loss distribution,and the function of legal liability system has partially shifted to liability insurance system.The application of artificial intelligence technology promotes the change of liability insurance system from"single underwriting model"to"double track underwriting model",which leads to the construction of"two-tier insurance framework".It is necessary to establish a limited compensation system in order to balance the relationship between the relief of victim's right and the innovation of intelligent industry.