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Self Driving Car Insurance

lemonade.com

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Re: Self Driving Car Insurance

#201

Post by cyberax »

bluGill wrote: post #149
cyberax wrote: post #137

Earlier quoted context omitted.

Yeah, yeah: "Major US Public Transit Union Questions “Microtransit”" Read it. Go on. It's pure bullshit. The _only_ issue with the old "microtransit" is the _driver_. Each van ends up needing on average MORE drivers than it moves passengers. It does solve the problem of throughput, though. But once the driver is removed, this problem flips on its head. Each regular bus needs around 4 drivers for decent coverage. It's…

Scroll down to the other articles as I said in the first place. self driving changes some things, but there are a lot of other points in the many article linked from there that don't change.

This article is just a bunch of propaganda. You can tell that by the picture with people in the shape of a bus next to the line of cars. Every time you see it, you can immediately blacklist the author and ignore whatever they are saying about cars.

Can you guess why?

Hint: think about the intervals between buses and how you should represent them to stay truthful. And that buses necessarily move slower than cars. And that passengers will waste some time due to non-optimal routes and transfers. And that passengers will waste some time because they need to walk to the station.

So back to my point, can you tell me EXACTLY what I should read in that article? Point out the paragraph, please.

Re: Self Driving Car Insurance

#202

Post by fragmede »

forgetfreeman wrote: post #200
JumpCrisscross wrote: post #182

Earlier quoted context omitted.

> Surely if it's Tesla making the decisions, they need the insurance? Why surely? Turning on cruise control doesn't absolve motorists of their insurance requirement. And the premise is false. While Tesla does "not maintain as much insurance coverage as many other companies do," there are "policies that [they] do have" [1]. (What it insures is a separate question.) [1] https://www.sec.gov/ix?doc=/Archives/edgar/data/0…

Cruise control is hardly relevant to a discussion of liability for autonomous vehicle operation.

In the context of ultramodern cruise control (eg comma.ai), which has a radar to track the distance to the car (if any) in front of you, and cameras so the car can wind left or right and track the freeway, I think it does.

Re: Self Driving Car Insurance

#203

Post by rubyfan »

microtherion wrote: post #170

I'm quite skeptical of Tesla's reliability claims. But for exactly that reason, I welcome a company like Lemonade betting actual money on those claims. Either way, this is bound to generate some visibility into the actual accident rates.

Lemonade will have some actual claim data to support this already, not relying on the word of Tesla.

Re: Self Driving Car Insurance

#204

Post by seanmcdirmid »

jasoncartwright wrote: post #5

If it autonomous or self-driving then why is the person in the car paying for the insurance? Surely if it's Tesla making the decisions, they need the insurance?

I think there is an even bigger insurance problem to worry about: if autonomous vehicles become common and are a lot safer than manual driven vehicles, insurance rates for human driven cars could wind up exploding as the risk pool becomes much smaller and statistically riskier. We could go from paying $200/month to $2000/month if robo taxis start dominating cities.

Re: Self Driving Car Insurance

#205

Post by koakuma-chan »

nine_k wrote: post #197
koakuma-chan wrote: post #158

Earlier quoted context omitted.

Why?

Because the Transport Workers Union fought tooth and nail for it. Laying off hundreds of operators would be a politically very dangerous move.

Huh. I wonder if that makes any sense. It doesn't seem to make sense to keep employing people if you no longer need them. It sucks to be layed off, but that's just how it works.

Re: Self Driving Car Insurance

#206

Post by sroussey »

einpoklum wrote: post #198
gizmo686 wrote: post #74

Earlier quoted context omitted.

Generally speaking, liability for a thing falls on the owner/operator. That person can sue the manufacturer to recover the damages if they want. At some point, I expect it to become somewhat routine for insurures to pay out, then sue the manufacturer to recover.

Ah, but could one not argue that the owner of the self-driving car is _not_ the operator, and it is the car, or perhaps Tesla, which operates it?

Mercedes agrees. They take on liability when their system is operated appropriately.

Re: Self Driving Car Insurance

#207

Post by sroussey »

fragmede wrote: post #202
forgetfreeman wrote: post #200

Earlier quoted context omitted.

Cruise control is hardly relevant to a discussion of liability for autonomous vehicle operation.

In the context of ultramodern cruise control (eg comma.ai), which has a radar to track the distance to the car (if any) in front of you, and cameras so the car can wind left or right and track the freeway, I think it does.

Not unless they are marketing it as “autopilot” or some such that a random consumer would reasonably assume meant autopilot.

And I’d include “AI driver” as an example.

Re: Self Driving Car Insurance

#208

Post by wcfrobert »

taneq wrote: post #165
davidhunter wrote: post #28

Earlier quoted context omitted.

Seems like the role of the human operator in the age of AI is to be the entity they can throw in jail if the machine fails (e.g. driver, pilot)

I’ve said for years that pragmatically, our definition of a “person” is an entity that can accept liability and take blame.

LLCs can't go to jail though

Re: Self Driving Car Insurance

#209

Post by mavhc »

seanmcdirmid wrote: post #204
jasoncartwright wrote: post #5

If it autonomous or self-driving then why is the person in the car paying for the insurance? Surely if it's Tesla making the decisions, they need the insurance?

I think there is an even bigger insurance problem to worry about: if autonomous vehicles become common and are a lot safer than manual driven vehicles, insurance rates for human driven cars could wind up exploding as the risk pool becomes much smaller and statistically riskier. We could go from paying $200/month to $2000/month if robo taxis start dominating cities.

The fact you think $200 per month is sane is amusing to people in other countries

Re: Self Driving Car Insurance

#210

Post by sroussey »

taneq wrote: post #165
davidhunter wrote: post #28

Earlier quoted context omitted.

Seems like the role of the human operator in the age of AI is to be the entity they can throw in jail if the machine fails (e.g. driver, pilot)

I’ve said for years that pragmatically, our definition of a “person” is an entity that can accept liability and take blame.

Not to be confused with “human” thanks to SCOTUS.
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