Proposed is an automotive car system (1), and method thereof, associated with a plurality of autonomous or partially autonomous driving motor vehicles (41 to 45). The autonomous or partially autonomous motor vehicles (41 to 45) comprise exteroceptive sensors (4011) for sensing environmental parameters (40111), and proprioceptive sensors (4012) for sensing operating parameters of the motor vehicles(41 to 45). The motor vehicles (41 to 45) further comprise an autonomous or partially autonomous driving control system (461 465) interpreting the sensory data (40111 / 40121) of the exteroceptive andproprioceptive sensors (4011 / 4012) and identifying appropriate navigation paths and / or obstacles and / or relevant signage. The motor vehicles (41 to 45) or the automotive control systems (461 465) are connected to a central, expert-system based circuit (11) by means of a data link (21) transmitting at least usage-based (31) and / or user-based (32) and / or operating (33) automotive data (3) to the central, expert-system based circuit (11), and wherein the usage-based (31) and / or user-based (32) and / or operational (33) automotive data (3) are based on the sensory data (40111 / 40121) and / or operating parameters (4611) of the automotive control system (461 to 465). The automotive car system (1) provides an automated first and / or second risk-transfer based on dynamic generated first and / or second risk transfer parameters (501 to 505 / 1021 to 1025) from the motor vehicles (41 to 45), wherein by means of the central, expert-system based circuit (11) the first and / or second risk transfer parameters (501 to 505 / 1021 to 1025) and correlated first and / or second payment transfer parameters (1021 to 1025 / 1221 to 1225) are dynamically generated, adapted and / or optimized, wherein, in the case of triggering the occurrence of one of defined risk events (61 63), the occurred loss (71 to 75) is automatically covered by the automotive car system (1).