Quote:
Originally Posted by polak
Why do I have to pay insurance for my self driving cars mistakes? Shouldn't it be the manufacturer? So something happens, some malfunction and all of the sudden your car causes millions in damages. Now YOU are expected to pay more for insurance because something happened that is completely out of your control?
Insurance protects the driver from liability due to their own error. Self-Driving cars don't have a driver. Why should the passanger have to pay? That's dumb.
Are the manufacturers going to cover insurance premiums for millions of cars?
That's where I see the roadblocks. All the legislation that has to change. Like I said, I no longer doubt the tech. I'm just curious how it's going to all work.
If it takes all the scared drivers who don't have a clue what they're doing off of the roads then I'm all for it. This is going to make the roads even better for people like me who will hold on to my human-driven cars as long as they let me.
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You're overthinking how the insurance is going to change things. It's not going to change much at all. The difference is you will solely be paying based on the vehicle you are driving; it's value, safety record of the car, how much it is used and where you live.
The reason you are charged more for insurance because of a accident, your age, any tickets you may have, is because the insurance companies have determined those are risk factors for future claims, not to recoup the money from past accidents. With all those factors eliminated there would be no reason to raise your rate in event of a accident as your risk factor is still the same as everyone else driving the same car. so for example everyone driving a 2020 Ford Focus will pay $20 per month regardless of if your personal car had been involved in a accident the week before or not.
As for who is going to pay for the insurance, sure you could have all manufacturers pay for the insurance, that just means you're going to be paying more for your car up front. You're going to end up paying for it one way or the other.
The legislation will probably change in regards to insurance but it doesn't even have to, within the current legislation the insurance companies will come up with products to cover automated vehicles.