The penetration rate of new energy vehicles has surpassed 40%, catalyzing a surge in the new energy vehicle insurance market. According to the latest data, the signed premium for new energy commercial vehicle insurance surpassed 31.4 billion yuan in the first quarter of this year, marking a 44% year-on-year increase. Notably, the growth rate of reported claims is lower than that of premiums, signaling an improvement in risk trends fueled by technological advancements. As intelligent driving technology commercializes at a rapid pace, the property insurance industry is proactively developing tailored insurance products to address the emerging risk demands associated with intelligent driving.