What do you think will happen?

Question

With drivers insurance with the invent of driverless cars? 
Will they give incentives to people who use driverless cars like lower the insurance rates? 
I feel that the driver will never be at fault for driving a driverless car so what's the point of having insurance for these cars
Do you think insurance companies will try to block entry to market?

Answer

From what we (my boyfriend and I were told) by his doctor because he is on the list for one due to his narcolepsy, since he can't drive a normal car. That all drivers in "driverless" cars will be held at fault like all other drivers because you will need a license to "drive" one.

Now the license classification may be different due to many people who will have one will likely have a medical condition. Insurance policies though are very unlikely to change.

Answer

You are responsible for the maintenance & upkeep of your vehicle. If something malfunctions, breaks, whatever, the "driver" is still going to be held at fault. Just like how if your brakes fail & you rearend someone, you are still at fault because you were expected to make sure your car is always safe to be on the roadways, which includes routine inspection and maintenance of parts. I'm sure that just because someone has a driverless car, it won't mean they will never be at fault. The car could glitch. It could fail in some way. I'm sure there's an override function in case the person actually wants to drive. Police/etc are still going to need to evaluate the situation to determine fault. There's still going to be times where something unexpected happens that the car can't account for; deer bolts into the road and the car can't stop in time, and maybe if you had driven instead of autopilot, you would have notice reflective eyes/etc and slowed, possibly avoiding the accident. Either way, there are still going to be accidents, there's still going to be situations where the person could be at fault. Insurance rates will probably continue to be based on credit score, job/career, home location crime rates, and driving history.

What do you think will happen?

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