MOTOR THIRD-PARTY LIABILITY INSURANCE AND AUTONOMOUS VEHICLES

The author examines the issue of using autonomous vehicles, or “smart cars,” in the context of the existing regulatory framework governing insurance for damages arising from the use of motor vehicles. In this regard, the paper addresses the adequacy of current legal solutions concerning MTPL insurance and autonomous vehicles. It specifically highlights the challenges that the emergence of autonomous vehicles presents in relation to the concept of liability, a central component of this type of insurance. The analysis includes the current legal framework at the European Union level and domestic legislation, pointing out potential directions for improving legislative solutions, particulary in terms of shifting paradigms in understanding liability and liable parties, advocating for a new, specialized, and comprehensive approach to regulating matters related to traffic damage insurance more broadly.

Keywords: insurance, autonomous vehicles, liability, insurance policy.