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re: will car insurance be around in the next 10 years?

Posted on 1/14/16 at 11:00 am to
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59312 posts
Posted on 1/14/16 at 11:00 am to
Then go without it, no one is forcing you to carry it.
Posted by CAD703X
Liberty Island
Member since Jul 2008
93248 posts
Posted on 1/14/16 at 11:00 am to
quote:

I want to see a self-driving car back a boat down a launch..


me too
Posted by GeauxGoose
Nonya
Member since Dec 2006
2686 posts
Posted on 1/14/16 at 11:01 am to
Was the Google car at fault? I read that the few accidents the Google car has been in it was human error on the other driver (of course it could be them covering up the truth)
Posted by stevengtiger
Member since Jul 2013
2778 posts
Posted on 1/14/16 at 11:01 am to
quote:

I wish insurance companies would die a painful death, though.


Until you need them
Posted by TigerFanatic99
South Bend, Indiana
Member since Jan 2007
35916 posts
Posted on 1/14/16 at 11:01 am to
quote:

as the owner of the car you could still be liable


I don't understand why people don't get this and just assume that it is going to turn into a land of unicorn and rainbow farts where nothing happens. You're still liable if your shite breaks my shite. It doesn't really matter that you didn't have your hand on the wheel at the time.
Posted by CAD703X
Liberty Island
Member since Jul 2008
93248 posts
Posted on 1/14/16 at 11:02 am to
quote:

Even though they haven't been at fault, self-driving test cars are involved in crashes at five times the rate of conventional cars, a new study finds.

Even when the figures are adjusted to take into account that many accidents involving conventional cars go unreported, the study from the University of Michigan's Transportation Research Institute found that the rate is still twice as high.


USA Today
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59312 posts
Posted on 1/14/16 at 11:02 am to
Last I remember reading maybe all but one were other drivers fault.
Posted by CAD703X
Liberty Island
Member since Jul 2008
93248 posts
Posted on 1/14/16 at 11:04 am to
quote:

Last I remember reading maybe all but one were other drivers fault.


seems silly to have a bunch of self driving cars on the roads without humans in them.
Posted by Chillini
Member since Sep 2012
3153 posts
Posted on 1/14/16 at 11:09 am to
Premiums may drop, but no major impact.
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59312 posts
Posted on 1/14/16 at 11:11 am to
You know what I mean, you knucklehead.
Posted by tigers win2
Baton Rouge
Member since Oct 2009
3922 posts
Posted on 1/14/16 at 11:13 am to
quote:

Yes, too damn much money in it to not be.


Agree. It would likely go down in cost s little, but those that run around without insurance now, won't be buying driverless cars any time soon.

Also, hitting an animal, backed into in parking lots etc
Posted by slackster
Houston
Member since Mar 2009
91838 posts
Posted on 1/14/16 at 11:17 am to
quote:

.It would be more like a homeowners policy... 



Exaxtly.

Your house doesn't even move yet you buy insurance for it. It may be cheaper down the road and perhaps optional, but it will certainly exist.
This post was edited on 1/14/16 at 11:20 am
Posted by DCtiger1
Member since Jul 2009
11783 posts
Posted on 1/14/16 at 11:17 am to
Insurance companies will continue to adapt to technology.

Volvo recently announced that they will accept liability for their autonomous vehicles.

Even if liability was covered, you will still need comp coverage on your vehicle for glass or a tree falling on your car.
Posted by Powerman
Member since Jan 2004
173582 posts
Posted on 1/14/16 at 11:18 am to
quote:

and I would think they'd be a lot higher for self driving cars.


Why?

If anything shouldn't the car manufacturer have to shoulder some of the insurance burden? (ETA - Just the liability portion)
This post was edited on 1/14/16 at 11:19 am
Posted by stevengtiger
Member since Jul 2013
2778 posts
Posted on 1/14/16 at 11:20 am to
quote:

Volvo recently announced that they will accept liability for their autonomous vehicles.


Then Volvo will then be the one buying the policy from the carrier. There is no way even companies like Volvo could insure liability for all their vehicles. Insurance will always be there in one form or another.
Posted by MikeBRLA
Baton Rouge
Member since Jun 2005
17197 posts
Posted on 1/14/16 at 11:37 am to
quote:

Then go without it, no one is forcing you to carry it.


Liability insurance is required by law.
Posted by rbWarEagle
Member since Nov 2009
49999 posts
Posted on 1/14/16 at 11:40 am to
quote:

Then go without it, no one is forcing you to carry it.



Posted by rbWarEagle
Member since Nov 2009
49999 posts
Posted on 1/14/16 at 11:41 am to
quote:

Until you need them



Like a totalitarian dictator. Forgive me for not loving my overlords.
Posted by CaptainsWafer
TD Platinum Member
Member since Feb 2006
59312 posts
Posted on 1/14/16 at 11:42 am to
Because you purchase the car from them and you're ultimately responsible for the safe operation.

I'd be willing to bet that somewhere in the fine print they'll try to exclude themselves from any liability by saying the person sitting in the driver's seat, although they aren't driving, needs to remain alert and will be responsible for overriding the controls should an emergency prevent itself.

This will cost insurance companies $$$$$ to fight and prove it was the wrongdoing of their car not the human. If proven that the car F'd up or has a failure, then they may have some liability, just like they would if you can prove your brakes failed for no reason.

One thing is for sure, no manufacturers or companies anywhere are volunteering to take liability for anything. They're always trying to pass that to the consumer and/or the user. That's why you carry insurance.
Posted by Jcorye1
Tom Brady = GoAT
Member since Dec 2007
76373 posts
Posted on 1/14/16 at 11:43 am to
How many shitty 10 plus year old cars do you see on the road today? Even assuming the government doesn't require insurance for self driving cars (laughable) it still takes a while for entire fleet years to turn over.
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