In case of an accident between two autonomous vehicles equipped with emerging technologies, how do we apportion liability among the various players? A special liability regime has not even yet been established for damages that may arise due to the accidents of autonomous vehicles. Would the immutable, time-stamped sensor records of vehicles on distributed ledger help define the intertwined relations of liability subjects right through the accident? What if the synthetic media created through deepfake gets involved in the insurance claims? While integrating AI-powered anomaly or deepfake detection into automated insurance claims processing helps to prevent insurance fraud, it is only a matter of time before deepfake becomes nearly undetectable even to elaborate forensic tools. This paper proposes a blockchain-based insurtech decentralized application to check the authenticity and provenance of the accident footage and also to decentralize the loss-adjusting process through a hybrid of decentralized and centralized databases using smart contracts.

翻译：当两辆配备新兴技术的自动驾驶汽车发生事故时，我们应如何划分各参与方的责任？目前尚未针对自动驾驶汽车事故可能引发的损害建立专门的责任制度。车辆在分布式账本上记录的不可篡改且带时间戳的传感器数据，能否帮助厘清事故中多方责任主体之间错综复杂的关系？若深度伪造技术生成的合成媒体卷入保险理赔申请，又当如何应对？尽管将人工智能驱动的异常检测或深度伪造检测集成到自动化保险理赔流程中有助于防范保险欺诈，但深度伪造技术终将在不久后变得即使精密取证工具也难以识别。本文提出一种基于区块链的保险科技去中心化应用，通过结合去中心化与中心化数据库的混合架构，利用智能合约验证事故影像的真实性与来源，同时实现定损流程的去中心化。