Self driving cars can become a common merchandise in the near future. Many manufacturers develop autonomous driving systems that could allow passengers to never take the wheel and still reach their destinations safe and sound. Some people have wondered whether we are witnessing the end of the auto insurance industry.
Can a driverless car be insured?
Auto insurance premiums always reflect risks. Prices are greatly influenced by the way in which someone drivers and by someone's driving record. These things may not count anymore if vehicles become driverless as humans are the factor of error. A well programmed software may eliminate all the mistakes that a driver could make.
This however does not mean that agencies are left without options. Some companies may determine premiums based solely on the vehicle, which would mean that some driverless cars would be considered safer than others. The state insurance department will also have a say in the whole business and this can also have an impact.
Self drivingvehicles - a threat to the insurance industry?
Tesla, Google and other automakers started developing autonomous driving vehicles and many experts have started wondering how will these advancements affect the insurance industry. Tests have showed that computers are better drivers than humans and some believe that's realistic enough to assume that autonomous driving vehicles will make accidents outdated.
Self-driving cars rise another problem: that of culpability. Who causes an accident, the driver or the vehicle and who can be held responsible? Many manufacturers may be eligible for their vehicles' mistakes.
Auto insurance for automated vehicles is, currently, not a big issue. This means that clients should stick to their policies. There may be at least a few years before autonomous vehicles hit the market. Until then, clients should compare free car insurance quotes at http://www.discount---auto---insurance.com/.
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