A1 Refereed original research article in a scientific journal
Robotteja vakuuttamassa: autonomiset alukset esimerkkinä
Authors: Mika Viljanen
Publisher: Suomalainen lakimiesyhdistys
Publication year: 2018
Journal: Lakimies
Journal acronym: LM
Volume: 116
Issue: 7-8
First page : 954
Last page: 974
Abstract
Robots are coming. How autonomous actors pay damages and why is, however, still an open question. We do not know how liability will be allocated. Insurance has been proposed as a way out of the liability quagmire. If and when insurance firms commit to pay, the liability question will lose some of its urgency.The article charts how useful insurance could be in governing robotisation. The case study focuses on marine insurance. The author first provides an overview of exist- ing hull and P&I contracts and their readiness to accommodate autonomous vessels. After this preliminary exercise, the author moves to an analysis of insurance as a tech- nology for sharing and transferring robot risks. The aim is to find out whether robots can be insured.The second part of the article revolves around insurance imaginaries. First, the au- thor attempts to examine what risks and technologies marine insurance covers on one hand and, on the other, what is required to make vessels susceptible to insurance cov- erage. Second, the author attempts to identify the pressures that the move to maritime autonomy may exert on the insurance imaginary. In particular the article focuses on the transformations in risk, knowledge distribution patterns and solidarity.The second part contributes to an understanding of the robotic future of insurance. The technological and systemic nature of robot risks, coupled with their temporal in- stability, seem poised to make the insurance of robots a challenge. The increasing knowledge of the state of insured entities is likely to exacerbate the problem. Corre- spondingly, even if marine insurance is likely a particularly challenging robotic con- text, the future of robot insurance seems uncertain. It may be that existing insurance imaginaries simply cannot cope with robots.
Robots are coming. How autonomous actors pay damages and why is, however, still an open question. We do not know how liability will be allocated. Insurance has been proposed as a way out of the liability quagmire. If and when insurance firms commit to pay, the liability question will lose some of its urgency.The article charts how useful insurance could be in governing robotisation. The case study focuses on marine insurance. The author first provides an overview of exist- ing hull and P&I contracts and their readiness to accommodate autonomous vessels. After this preliminary exercise, the author moves to an analysis of insurance as a tech- nology for sharing and transferring robot risks. The aim is to find out whether robots can be insured.The second part of the article revolves around insurance imaginaries. First, the au- thor attempts to examine what risks and technologies marine insurance covers on one hand and, on the other, what is required to make vessels susceptible to insurance cov- erage. Second, the author attempts to identify the pressures that the move to maritime autonomy may exert on the insurance imaginary. In particular the article focuses on the transformations in risk, knowledge distribution patterns and solidarity.The second part contributes to an understanding of the robotic future of insurance. The technological and systemic nature of robot risks, coupled with their temporal in- stability, seem poised to make the insurance of robots a challenge. The increasing knowledge of the state of insured entities is likely to exacerbate the problem. Corre- spondingly, even if marine insurance is likely a particularly challenging robotic con- text, the future of robot insurance seems uncertain. It may be that existing insurance imaginaries simply cannot cope with robots.
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