I haven't seen anything posted on this, so I thought I'd throw this out there.
How do people think insurance rates will be affected by the changes coming our way with the autopilot and the new safety features, and how do you think these rate changes will be implemented?
For example all Model S owners probably won't all get the features at the same time, so that may pose an issue with respect to rate changes.
Presumably a car that can avoid collisions should pay less for collision insurance, and probably less for liability insurance, etc., than one that can't, so do we think we will see a discount when our cars have those capabilities?
And what about autopilot? I think the auto insurance companies could make the argument that someone using autopilot MAY be less attentive and MAY be MORE likely to get into an accident, and use that to actually RAISE rates on cars with autopilot. (I'm not saying they should. Just fearing they may.)
Thoughts?
How do people think insurance rates will be affected by the changes coming our way with the autopilot and the new safety features, and how do you think these rate changes will be implemented?
For example all Model S owners probably won't all get the features at the same time, so that may pose an issue with respect to rate changes.
Presumably a car that can avoid collisions should pay less for collision insurance, and probably less for liability insurance, etc., than one that can't, so do we think we will see a discount when our cars have those capabilities?
And what about autopilot? I think the auto insurance companies could make the argument that someone using autopilot MAY be less attentive and MAY be MORE likely to get into an accident, and use that to actually RAISE rates on cars with autopilot. (I'm not saying they should. Just fearing they may.)
Thoughts?
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