AN EVALUATION ON AUTONOMOUS VEHICLES AND ASYMMETRIC INFORMATION PROBLEM IN THE INSURANCE SECTOR IN LIGHT OF GSR II REGULATION

Mehmet Emin Kenanoğlu

Makale detayları

AN EVALUATION ON AUTONOMOUS VEHICLES AND ASYMMETRIC INFORMATION PROBLEM IN THE INSURANCE SECTOR IN LIGHT OF GSR II REGULATION

Yazarlar:

Mehmet Emin Kenanoğlu

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Kamu Ekonomisi

Dergi:

Yönetim Bilimleri Dergisi Vol.22 Issue 54, pp.2523-2551

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001329584

pISSN:

1304-5318

Anahtar kelimeler:

Özet:

 As a phenomenon that humanity has dreamed of for many years, autonomous vehicles will become an indispensable part of daily life shortly with both technological developments and social transformation. Autonomous vehicles, which enable driving functions to continue without human intervention, will contribute to the driver and pedestrians, such as loss of life and property, as well as preventing fuel waste, preventing time loss in traffic, and therefore preventing stress levels and its reflections with the driving optimization it will create. The decrease in fossil fuel use thanks to efficient driving will have positive effects on global warming and indirectly on human health. This will inevitably contribute to the reduction of environmental pollution in terms of air, image, and noise. It will also bring benefits such as the freedom of travel for disadvantaged segments. In addition to all these effects, autonomous vehicles also touch on the insurance sector and the asymmetric information problem, a market failure in this field. Since big data sets will be created with the significant contribution of artificial intelligence technologies, it will be possible to prevent the asymmetric information problem that is likely to occur in the insurance sector. In addition, it is expected that the concept of vehicle ownership will transform and pave the way for innovations with the emergence of new insurance activities and the development of sharing economy opportunities and ownership structures. The existence of such a high impact makes public regulations inevitable. Because, such regulations initiated by the public to prevent market failures have been encountered in recent years with the European Unions GSR II regulation, which is expected to fully pave the way for autonomous driving. Autonomous driving, which will become widespread with these regulations, has the potential to solve the asymmetric information problem in the insurance field and to solve moral hazard and adverse selection problems with its data capacity. In this respect, the study focuses on the issue of asymmetric information in the insurance sector in the context of a literature review. In addition, the contribution of the developments in autonomous vehicle technology and the GSR II regulation to solving the asymmetric information problem as a market failure is discussed.

 As a phenomenon that humanity has dreamed of for many years, autonomous vehicles will become an indispensable part of daily life shortly with both technological developments and social transformation. Autonomous vehicles, which enable driving functions to continue without human intervention, will contribute to the driver and pedestrians, such as loss of life and property, as well as preventing fuel waste, preventing time loss in traffic, and therefore preventing stress levels and its reflections with the driving optimization it will create. The decrease in fossil fuel use thanks to efficient driving will have positive effects on global warming and indirectly on human health. This will inevitably contribute to the reduction of environmental pollution in terms of air, image, and noise. It will also bring benefits such as the freedom of travel for disadvantaged segments. In addition to all these effects, autonomous vehicles also touch on the insurance sector and the asymmetric information problem, a market failure in this field. Since big data sets will be created with the significant contribution of artificial intelligence technologies, it will be possible to prevent the asymmetric information problem that is likely to occur in the insurance sector. In addition, it is expected that the concept of vehicle ownership will transform and pave the way for innovations with the emergence of new insurance activities and the development of sharing economy opportunities and ownership structures. The existence of such a high impact makes public regulations inevitable. Because, such regulations initiated by the public to prevent market failures have been encountered in recent years with the European Unions GSR II regulation, which is expected to fully pave the way for autonomous driving. Autonomous driving, which will become widespread with these regulations, has the potential to solve the asymmetric information problem in the insurance field and to solve moral hazard and adverse selection problems with its data capacity. In this respect, the study focuses on the issue of asymmetric information in the insurance sector in the context of a literature review. In addition, the contribution of the developments in autonomous vehicle technology and the GSR II regulation to solving the asymmetric information problem as a market failure is discussed.

 As a phenomenon that humanity has dreamed of for many years, autonomous vehicles will become an indispensable part of daily life shortly with both technological developments and social transformation. Autonomous vehicles, which enable driving functions to continue without human intervention, will contribute to the driver and pedestrians, such as loss of life and property, as well as preventing fuel waste, preventing time loss in traffic, and therefore preventing stress levels and its reflections with the driving optimization it will create. The decrease in fossil fuel use thanks to efficient driving will have positive effects on global warming and indirectly on human health. This will inevitably contribute to the reduction of environmental pollution in terms of air, image, and noise. It will also bring benefits such as the freedom of travel for disadvantaged segments. In addition to all these effects, autonomous vehicles also touch on the insurance sector and the asymmetric information problem, a market failure in this field. Since big data sets will be created with the significant contribution of artificial intelligence technologies, it will be possible to prevent the asymmetric information problem that is likely to occur in the insurance sector. In addition, it is expected that the concept of vehicle ownership will transform and pave the way for innovations with the emergence of new insurance activities and the development of sharing economy opportunities and ownership structures. The existence of such a high impact makes public regulations inevitable. Because, such regulations initiated by the public to prevent market failures have been encountered in recent years with the European Unions GSR II regulation, which is expected to fully pave the way for autonomous driving. Autonomous driving, which will become widespread with these regulations, has the potential to solve the asymmetric information problem in the insurance field and to solve moral hazard and adverse selection problems with its data capacity. In this respect, the study focuses on the issue of asymmetric information in the insurance sector in the context of a literature review. In addition, the contribution of the developments in autonomous vehicle technology and the GSR II regulation to solving the asymmetric information problem as a market failure is discussed.

 İnsanoğlunun uzun yıllardır kavuşmayı hayal ettiği bir olgu olarak otonom araçlar gerek teknolojik gelişmeler gerekse de toplumsal dönüşüm ile yakın gelecekte günlük hayatın vazgeçilmez bir parçası haline gelecektir. İnsan müdahalesi olmadan sürüş fonksiyonlarını sürdürmeyi sağlayan otonom araçlar, can ve mal kaybı gibi sürücüye ve yayalara sağladığı faydaların yanı sıra ortaya çıkaracağı sürüş optimizasyonu ile de yakıt israfının önlenmesi, trafikteki zaman kaybının önüne geçilmesi ve dolayısıyla da stres seviyesi ve bunun yansımalarının önlenmesine katkı sunacaktır. Verimli sürüş sayesinde azalacak fosil yakıt kullanımı ise küresel ısınmaya ve dolaylı olarak insan sağlığına olan olumlu etkiler meydana getirecektir. Bu durum kaçınılmaz olarak hava, görüntü ve gürültü noktasındaki çevresel kirliliklerin azaltılmasına katkı sunacaktır. Ayrıca dezavantajlı kesimlerin seyahat özgürlüğüne kavuşması gibi faydaları da beraberinde getirecektir. Tüm bu etkilerin yanı sıra otonom araçlar sigortacılık sektörüne ve bu alandaki bir piyasa başarısızlığı olan asimetrik bilgi sorununa da temas etmektedir. Yapay zekâ teknolojilerinin önemli katkısıyla büyük veri kümeleri oluşacağından sigortacılık alanında meydana gelmesi muhtemel asimetrik bilgi probleminin önlenmesi söz konusu olacaktır. Ayrıca yeni sigortacılık faaliyetlerinin doğması ve paylaşım ekonomisi imkanlarının ve mülkiyet yapılarının gelişmesiyle araç sahipliği kavramının dönüşerek yeniliklerin önünün açılması beklenmektedir. Bu denli yüksek etkinin varlığı ise kamusal düzenlemeleri kaçınılmaz kılmaktadır. Zira kamunun piyasa başarısızlıklarını önlemek adına giriştiği bu tür düzenlemelere son yıllarda otonom sürüşün önünü tam manasıyla açması beklenen Avrupa Birliğinin GSR II regülasyonuyla karşılaşılmaktadır. Bu düzenlemeler ile yaygınlaşacak otonom sürüş sigortacılık alanında meydana gelen asimetrik bilgi sorununu çözme ve veri kapasitesiyle de ahlaki tehlike ve ters seçim sorunlarının çözüme kavuşturulması potansiyeline sahiptir. Bu yönüyle çalışma literatür taraması ekseninde sigortacılık sektöründeki asimetrik bilgi konusuna odaklanmakta ve otonom araç teknolojisindeki gelişmelerin ve GSR II regülasyonunun getirdikleriyle piyasa başarısızlığı olarak asimetrik bilgi probleminin çözümüne sunacağı katkı tartışılmaktadır.

Makale detayları

AN EVALUATION ON AUTONOMOUS VEHICLES AND ASYMMETRIC INFORMATION PROBLEM IN THE INSURANCE SECTOR IN LIGHT OF GSR II REGULATION

Yazarlar:

Mehmet Emin Kenanoğlu

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Kamu Ekonomisi

Dergi:

Yönetim Bilimleri Dergisi Vol.22 Issue 54, pp.2523-2551

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001329584

pISSN:

1304-5318

GSR II

Autonomous Vehicle

Asymmetric Information

Market FailureGSR II

Otonom Araç

Asimetrik Bilgi

Piyasa Başarısızlığı

Sayı

Makale detayları

Yazarlar: Mehmet Emin Kenanoğlu

Yayıncı: Çanakkale Onsekiz Mart University

Ana Başlıklar: Kamu Ekonomisi

Dergi: Yönetim Bilimleri Dergisi Vol.22 Issue 54, pp.2523-2551

Belge Tipi: Makale

Yayın Tarihi: 10/2024

Belge Dili: Türkçe

Document ID (Org No.): 2001329584

pISSN: 1304-5318

Sayı

Yazarlar:

Mehmet Emin Kenanoğlu

Yayıncı:

Çanakkale Onsekiz Mart University

Ana Başlıklar:

Kamu Ekonomisi

Dergi:

Yönetim Bilimleri Dergisi Vol.22 Issue 54, pp.2523-2551

Belge Tipi:

Makale

Yayın Tarihi:

10/2024

Belge Dili:

Türkçe

Document ID (Org No.):

2001329584

pISSN:

1304-5318