Kereskedelem | Elektronikus Kereskedelem » Uber, Drones and Driverless Cars

Uber, Drones and Driverless Cars SILA Foundation-Sponsored Webinar Presented by A.D B anker Instructor: Linda M cHenry Ridesharing PART ONE 2 3 What is Ridesharing? Examples:  Providing taxi-like services  Passengers connect with drivers using cellphone app  Scheduled rides, or spur of the moment  Transportation Network Company (TNC) Transportation Network Company Transportation Network Company Uses smartphone app to connect drivers and passengers Drivers use their own vehicles to provide transportation Rides made in advance or instantly Passengers pay the TNC electronically TNCs pay drivers directly 4 5 State and City TNC Laws • 2 states have no laws: OR and NH • 5 states only have insurance laws: WA, M N, LA, HI, AL https://policy.ttitamuedu/technology/tnc-legislation/ • M any cities also have laws, e.g: San Francisco, New York City, Seattle, Austin, Shreveport, Duluth, Chicago 6 How to Get a Ride Set up account Download app Choose

type of ride Receive price quote ETA is shown Driver and Rider contact each other thru app Open app Enter location & destination Accept ride Picture of driver & description of car appears 7 What is the Cost? B ase Rate Distance and Time Traveled The Service Fee Extra Charges 8 What is the Cost? EXAMPLE 35-mile trip from the airport to the client’s office building, 11:00 Wednesday morning Rideshare Taxicab $46 $95 9 Who Are the Drivers? Lyft Uber • Must be at least 21-years old with at least 1 year of driving experience • Must be at least 21-years old and have at least 3 years driving experience • Must undergo DMV check and national and county background checks • Have a “clean” driving record and Pass a background check obtained from Hirease • http://www.idrivewithubercom / uber-driver-requirements/ Ridesharing versus Hailing a Cab TNC  Each state handles TNC licensing, vehicle inspection, driver licensing, and insurance

requirements differently  Some jurisdictions (city and/or state) have NO laws for TNCs Taxi or Limo Service  Licensed by state transportation authority  Vehicles must be inspected  Drivers must meet commercial licensing and insurance requirements 10 Ridesharing versus Carpooling Ridesharing  Each state handles TNC licensing, vehicle inspection, driver licensing, and insurance requirements differently  Some jurisdictions (city and/or state) have NO laws for TNCs Carpooling  Licensed by state transportation authority  Vehicles must be inspected  Drivers must meet commercial licensing and insurance requirements 11 Uber Eats  Customer adds Uber Eats app to phone or tablet, then.  Chooses from hundreds of restaurants and orders food for delivery  Uber driver delivers the food  Concerns:  Fees: booking fee plus busy area fee  Who is responsible for chain of custody issues? 12 13 Ridesharing Issues  When is the driver

operating a vehicle for hire? Phase 3: Passenger Phase 2: Ride Phase 1: App on, waiting for ride request request accepted no passenger yet Some TNCs combine Phases 1 and 2 in vehicle TNC Model Regulation  General Topics of TNC Regulation  TNC Insurance Compromise B ill (TNC M odel B ill)  Collaboration of several entities  Uber X  Personal lines auto insurers  Trade associations  National Conference of Insurance Legislators (NCOIL) M odel Act  B ased on TNC M odel B ill  Adds several revisions  NAIC TNC Regulation page on website 14 TNC Model Regulation  General Topics of TNC Regulation Can the PAP exclude coverage for ridesharing? Who must obtain/maintain insurance? M andatory limits of insurance during all phases of the ride Specific insurance policy and insurer requirements Disclosure requirements if ridesharing vehicle has a lien Requirements about insurers that can issue insurance 15 TNC Model Regulation  TNC Financial

Responsibility Requirements Logged in, but no passenger • 50/100 for B I and death • $25,000 for PD Logged in, with passenger • $1 million CSL 16 TNC Model Regulation Insurance Company Requirements 17  Insurers are permitted to exclude all coverage for ridesharing  NOT required to provide coverage for ridesharing OR transporting passengers for compensation  Insurers have NO duty to defend if ridesharing is excluded  TNCs required to cooperate in any claims investigations to determine if a driver was logged into its network Insurers that Issue TNC Coverage Some insurers that write coverage for TNC drivers: State Farm GEICO USAA Allstate Erie Farmers Group M etlife Progressive  Do NOT write coverage in all states  Do NOT all write coverages on PAP  May not write ALL coverages on PAP as required by TNC legislation 18 Driverless Cars PART TWO 19 Autonomous Vehicles  Artificial Intelligence (AI) drives the car  Science of

making computer programs and machines to understand human intelligence and work, and then respond the same way they do  Examples of AI:  Personal digital assistants (i.e, Siri and Alexa)  Email inbox spam filters 20 21 Autonomous Vehicles Facts about artificial intelligence  Purpose : avoid human error  Issues revolve around AI’s inability to understand humans the same way other humans do  AI has difficulty anticipating human behavior  Telematics helps develop the expansion of AI’s abilities Autonomous Vehicles  Technology has made great strides  Car manufacturers are test driving AVs in cities and test sites located on university facilities  2 largest design challenges are with perception and decision-making 22 AVs: State Laws Enacted Legislation Executive Order 23 AVs: Insurance Concerns  Will liability shift from drivers to vehicle manufacturers?  Transformation will take time, but it has already begun in the United

Kingdom  Data capture at the time of a crash will help determine liability  AVs , because of dependence on electronic technology, will be the targets of hackers – altering cyber risk to vehicle manufacturers  Insurance and other regulations will change to reflect any liability shift 24 AVs: Insurance Concerns  Repair costs  Assumption: a reduction in overall number of car accidents due to AVs  Will probably increase, per job, due to:  Intricacy of parts, especially those tied to AI  Reduced number of vehicles requiring repair 25 AVs: Looking to the Future  AVs have potential to operate with extreme precision EXAMPLE  Colorado DOT  Uses autonomous impact protection vehicle http://www.ttnewscom/articles/colorado-dot-purchases-worlds-first-automated-self-driving-construction-vehicle 26 Drones PART THREE 27 What is a Drone? Per the FAA An unmanned aircraft system (UAS), sometimes called a drone, is an aircraft without a human pilot

onboard – instead the UAS is controlled from an operator on the ground 28 How Drones are B eing Used  Acceptable Use Law enforcement and the military Record live events Study inaccessible areas Deliver small packages Filming movies & commercials Tracking Wildlife 29 How Drones are B eing Used Unacceptable Use Flying in restricted areas • Security Sensitive Airspace Restriction • Temporary Flight Restrictions • Restricted or Special Use Airspace • Stadiums and Sporting Events • Wildfire Firefighting Operations • Airports (within 5 miles) https://www.faagov/uas/where to fly/no drone zone/ 30 Drone Flight Requirements  Section 336: Flying Model Aircraft  M ust meet specific requirements, which include flying ONLY for hobby or recreational use  Registering the model aircraft and complying with all rules (cost $5 for 3-year registration)  Part 107 (Small UAS Rule): All Use Other than Model Aircraft  Obtain a Remote Pilot Certificate

from the FAA  Register the drone as a “non-modeler ”  Follow all Part 107 rules 31 Summary of FAA Requirements Ensure Drone Safety Drones: Safety Concerns Do not fly above 400 feet Keep drone in sight at all times Avoid manned aircraft, airports, people, & stadiums Do not use a drone > 55 pounds B e careful! 32 Drones: Privacy Concerns FAA regulations eliminated private airspace Federal government has exclusive right to airspace in the U.S Drones are permitted to fly over personal and business property Drones are permitted to see and record in navigable airspace 33 Drones: Privacy Concerns  State laws are contesting FAA’s permission for drones to infringe on the rights of property owners  How will the courts rule in the future?  How do you clients’ insurance policies respond in the event of a lawsuit? 34 35 of 97 Latest News: Uber . and AI  Chief product officer leaving  Uber driverless car fatality  Uber Elevate . and Flying

Cars 35 Latest News: Drones Presidential Executive Order October 2017 Drone Taxis? Popular Mechanics 36  UAS Integration Pilot Program  DOT must safely test and validate advanced operations for drones  Accelerates safe integration of UAS into national airspace  DOT and FAA will develop regulatory framework to allow more complex lowaltitude operations  Will safely evaluate night operations, flights over people, and flights beyond a pilot’s line of sight, and other usesall of which are currently prohibited https://www.faagov/news/updates/?newsid=89007 37 of 97 37 Questions? 38 Thank you, and . think Spring!