Autonomic cars are coming. they drive in our streets for years now and in 2-3 years everybody will get to see a truck delivering milk or collecting garbage, to ride a self driving taxi or even to own one. There is however one area of the financing of the self driving car which has a lot of questions asked and not a lot of answers.
The problem is who will pay the bill if you get into an accident. is it the car manufacturer, the passenger the state? who would find the culprit and who will enforce the law. countries are not eager to pass laws that will make big company (political donors) pay the bill. Companies would not jump into this liability without any country backup and so the whole industry is just waiting for a solution and what you see on the road is the number of cars a company can insure from its capital. So what if we use insurance as an evolutionary selector for the autonomic car industry?
Think of insurance as part of your millage cost, you get into a cab and pay for a ride. it includes gas, oil, tiers etc. and insurance per mile. now the safest car has a lower insurance rate so your ride fare is cheaper. the car that is not secure would charge more for insurance and in no time will disappear from the market. if we make the insurance rate visible to the passenger we will even expedite this process and get better cars on the road faster. better safer cars with the benefit of knowing your "driver" record.
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