LogFAQs > #878524100

Smarkil posted...

That's the other thing. Cars should theoretically be getting safer. And once self-driving cars become a thing, are those people still going to be charged insurance on them because they own and operate the car? Will it be at the same rate as non-self driving car owners?

My car has automated lane assist and cruise control. Which means I set it on the freeway and it will keep me in the lanes and automatically brake/speed up when necessary. It also has collision detection and automatic braking. Should I be paying the same amount in insurance as a car that is identical in cost to mine but doesn't have that safety feature?

Given that some states/insurances kinda consider both drivers at fault, I have doubts it will change. Its just baffling that you could be safely driving down a road, someone hit you, and now the insurance consider you a high risk policy holder and raise your premium.

Personally I am fine if car insurance was optional but in turn that could mean more of the burden would be on the insurance itself if the policy holder is hit by an uninsured driver.
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