A aplicabilidade do seguro obrigatório de responsabilidade civil aos danos causados pela inteligência artificial

Abstract

With technological advances, especially in the field of artificial intelligence, there is a need for legal regulation that complements existing rules and meets the technological, economic, and social demand sof this reality.When an artificial intelligence system causes harm, liability can be attributed to various spheres, including manufacturers, users, and those who have benefited from its actions. Considering the current paradigm of civil liability, which prioritizes ensuring compensation for the victim over defining who is responsible for the damage caused, this paper analyzes the damages caused by artificial intelligence and the available mechanisms for compensation, especially mandatory liability insurance. Aspects such as autonomy and unpredictability are brought up to question the feasibility of an insurance model as an alternative to ensure full compensation for damages caused by intelligent systems. In this context, the approach was through the exploratory-descriptive method, through a literature review, seeking a broad and diverse understanding of the object underanalysis.