Sustainable Mobility and Accessibility for People with Disabilities: Emerging Trends, Policy Challenges, and Evolution in Motor Insurance

Smart mobility, understood as automation-assisted driving, has found new solutions for individuals with chronic progressive diseases (e.g., multiple sclerosis), who require driving support that meets their evolving needs. Furthermore, specific issues, such as gender smart mobility (which particularly regards the needs of the female population), have recently been highlighted. The challenge is to combine these new methods with essential insurance coverage which is sustainable in terms of pricing and limitations (deductibles, reimbursement policies, etc.). It is also necessary to rethink non-mandatory policies that provide fundamental support, such as roadside assistance and vehicle repair coverage. This paper, through legal analysis, focuses on analysing smart mobility techniques, addressing critical issues in emerging insurance coverage, and providing constructive legal proposals for policymakers, as well as for insurance production and distribution. The issues addressed are based on data collected and analyzed by others, to whom this essay refers.