Self-driving vehicles should ideally accomplish a few things: convenience for operators/owners of vehicles, cost reduction for commercial vehicles (no driver), and safer roads (fewer and less severe crashes).
This last item, if true, will significantly lower the risks traditionally associated with driving. In fact, the removal of the driver fundamentally alters the liabilities that insurance companies have spent almost a century covering. As liabilities and risks shift, how vehicles are insured and the costs of that insurance will change, disrupting a $300B+ industry and creating opportunities for innovation.
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