In a Verifacts Guild 21 Web Conference on September 8, Sean Carey of SCG Management Consultants gave an excellent overview presentation emphasizing that the cars of 2040, driverless or otherwise, will be vastly different from today. Manufacturing will be different, insurance will be very different and the repair procedures will be equally different.
Then the very logical point was made that it won’t happen in 2040, it will be a progression which has very much started and even by 2020 there will be significant changes.
2040 is a long way out and many of us may not need to plan for that, but 2020 is less than 4 years and the active participants now, whether drivers or industry operators will be very much involved in 4 years. Methods being used today by repairers and insurers will not be even close to acceptable.
As I have written before there are a lot of honest and intelligent people working on the business models and protocols that will be needed to insure and repair these cars correctly. These people will get to the right place and these business models will be developed and implemented.
However they are definitely not at the right place now and operations both with repairers and insurers are still dominated by culture that is firmly stuck in the past.
Today we still have many repairers who will not invest in equipment and training and we still have front line insurance people whose job it is to say ‘we don’t pay for that’ or ‘nobody else is asking to be paid for that’ and my favorite for this week ‘you are only trying to bill for that to pay for your new equipment.’
Neither that repairer nor the front line insurance adjuster will get in trouble if a car is given back to the owner with damage conditions that have not been diagnosed, much less corrected. 10 years ago if a car had no dash warning lights on it could be assumed to be ready to go. Today most repairers and front line insurance adjusters still use this no light conditions as verification of a complete repair, even though it is known that in today’s cars many error codes and deficiencies do not trigger a dash light.
The rules at September 10 2016 discourage looking for these codes. It is easier and more profitable for most people to not rock the boat.
“…..operations both with repairers and insurers are still dominated by culture that is firmly stuck in the past…..”