자율주행자동차에 대한 사이버보험의 필요성

With the emergence of the term “4th Industrial Revolution” through the World Economic Forum in 2016, the flow of this revolution is rapidly spreading to our society. Due to this, a lot of changes are occurring in a very wide range of fields such as artificial intelligence, the Internet of Things, and big data. In particular, the development of the AI ​​field is shaking the culture and values ​​of all industries. On the other hand, such artificial intelligence is eventually formed due to the accumulation of data such as personal information of a large number of people, and if such accumulated personal information data is leaked, there is a risk of serious personal infringement. The act of infringing on personal information or data in cyberspace is called a “cyber attack”, and the infringement environment that can be damaged by such a cyber attack is called “cyber risk”. Recently, crimes due to cyber attacks on data are increasing rapidly worldwide. Cyber ​​risk refers to all obstacles to a system using information and communication, and there are many types, but there are representative examples of spam email or phishing. In particular, these cyber risks are often difficult to verify the identity of the assailant, and cyber attacks due to professional hackers are very detailed and the forms are very diverse. Also, it is difficult for victims to properly estimate the amount of information lost about these hackers' attacks, and it is difficult to properly understand the causality of the damage. Therefore, it is not easy for the victim to prove relief through trial through the legal provisions of the victim. In addition, even if the proof of responsibility has been shifted, a large amount of litigation costs and long time are required to receive relief through trial. On the other hand, systems with artificial intelligence are rapidly being applied to all parts of industrial sites, and even with the emergence of various types of robots based on artificial intelligence, it is expected that significant changes in the industrial environment will occur in the future. In particular, autonomous vehicles equipped with artificial intelligence systems should be regarded as representative products for these artificial intelligence fields. Of course, it is still a step that requires a lot of research and institutional support until these autonomous vehicles' systems are commercialized, but according to the analysis of numerous experts from each country, vehicles with the 5th stage system, the highest level of autonomous driving technology, will gradually increase from 2027. It is expected to start appearing. The system of self-driving cars equipped with such artificial intelligence will store a lot of data for driving a vehicle by itself, including personal information of the driver. However, if cyber attacks on such data occur, it will be a great threat not only to the individual driver but also to the entire traffic environment. In particular, the type of insurance fraud that intentionally causes an accident using a general vehicle will be achieved through hacking of the system when autonomous vehicles are commercialized later. To this end, a number of professional hackers will appear, and if these hackers intentionally attack a system, cyber damage to the entire traffic environment as well as problems with the infringement of personal information of most drivers can be seriously raised. Therefore, it is necessary to analyze the risks of cyber attacks of autonomous vehicles by type and prepare legal and institutional measures urgently. First of all, in order to recover quickly from accidents caused by cyber attacks on vehicles, it is necessary to consider cyber insurance that can be specially applied to autonomous vehicles because the existing vehicle insurance is insufficiently prepared. Of course, cyber insurance is not yet very active in Korea, and in fact, many companies and individuals in Korea lack the awareness of the problem and lack the relevant knowledge. However, research on cyber insurance is already in full swing in Europe, mainly in the United States, and the insurance subscription rate is also increasing. Accordingly, we also need to properly recognize the problem of cyberattacks and look at the trend of cyber insurance in countries around the world. Therefore, in this paper, we will specifically examine cyber risks of autonomous vehicles among cyber risks and study the need for cyber insurance.