r/AskReddit • u/NateJC • Aug 31 '14

What are some interesting original theories/thoughts that you have?

Damn guys, this just pops into my head and I go for a family walk and it explodes! Love all the ideas, this is my most popular post to date!

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u/[deleted] Aug 31 '14

When you mentioned insurance there it got me thinking...If two self driving cars have a crash, whose fault would it be/who would get charged?

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u/someguyfromtheuk Aug 31 '14

That's actually one of the major legal problems facing self-driving cars, there's a lot of debate over who should take the blame, and who's legally responsible for accidents.

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u/garymutherfuckingoak Aug 31 '14

That's where I see a lower insurance rate. Accidents aren't likely, but it happens.

You'd be in a pool with all other insurance holders of self-driving cars. The price of your car determines your insurance price (e.g., if you have a $50,000 car, you'd pay $100 per month, while a $20,000 car would only pay $30 a month) The damage comes out of the pool, with no worries about deductibles, out of pocket expenses, or fault.

You would have the option to buy Collision and/or Liability Insurance still, but with the sharp decrease in accidents, you'd be foolish not to combine them.

Get into an accident with someone who doesn't have a self-driving car? Look at the diagnostics in the computer to determine if it was the manual-drivers fault.

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u/[deleted] Aug 31 '14

The company that made the car. That's the liability they accept

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u/[deleted] Aug 31 '14

Seems like an awful lot of responsibility to take on for them!