@inbook{7fda10f10edd4203a3dbdd87dcb8adf1,
title = "Discrimination Issues in Usage-Based Insurance for Traditional and Autonomous Vehicles",
abstract = "Vehicle insurance companies have started to offer usage-based policies which track users to estimate premiums. In this paper we argue that usage-based vehicle insurance can lead to indirect discrimination of sensitive personal characteristics of users, have a negative impact in multiple personal freedoms, and contribute to reinforcing existing socio-economic inequalities. We argue that there is an incentive for autonomous vehicles (AVs) to use similar insurance policies, and anticipate new sources of risk that may lead to indirect and structural discrimination. We conclude by analyzing the advantages and disadvantages of alternative insurance policies for AVs: No-fault compensation schemes, technical explainability and fairness, and national funds.",
keywords = "autonomous vehicles, ethics, indirect discrimination, Insurance, structural discrimination",
author = "Martim Brand{\~a}o",
note = "Publisher Copyright: {\textcopyright} 2020 The authors and IOS Press. All rights reserved.; 4th Conference on Robophilosophy 2020: Culturally Sustainable Social Robotics ; Conference date: 18-08-2020 Through 21-08-2020",
year = "2020",
month = dec,
day = "15",
doi = "10.3233/FAIA200936",
language = "English",
series = "Frontiers in Artificial Intelligence and Applications",
publisher = "IOS Press BV",
pages = "395--406",
editor = "Marco Norskov and Johanna Seibt and Quick, {Oliver Santiago}",
booktitle = "Culturally Sustainable Social Robotics - Proceedings of Robophilosophy 2020",
address = "Netherlands",
}
