Insurance companies aren't political -- they charge for whatever costs more.
We saw this before -- they used to charge people who lived in high crime areas more money. They had to stop because it turned out that those high crime areas also had a lot of poor people, so the government stepped in and stopped allowing pricing by zip code.
But the insurance companies weren't wrong about the risk -- those customers cost them more. So instead they had to raise everyone's rates to account for the fact that they (rightly) could not discriminate.
I suspect the same would happen here. That poorer people could not afford self driving, and they same anti-discrimination rules would apply.
If pricing risk was an exact science, you'd get the same quote from all providers (given similar coverage). Yet if you try that, you'll find that the quotes could vary as much as 2-3x. Therefore no, we shouldn't blindly trust "the algorithm".
Insurance companies you are required to interact with by law are absolutely political.
If autonomous cars result in less damage than humans, their insurance price will be cheaper than human drivers, but there's no reason to raise the human rate at the same time, their accident rate should stay the same.
Wouldn't the accident rate for humans go down as well as the percentage of SDV increase? After all, the humans won't be exclusively having accidents with each other.
We need that increase volume and reduced accident count in order to grow without having to build more roads.
Why not aim for the same distance between cars and twenty times more safety instead?
Autonomous cars won't panic and cause pileups.
It's to assume that every single thing that could break, will break, and design enough resiliency in that you have to stack up as many failures as possible before things truly go off the rails.
So to do this without killing people, you add the new systems with the same safety thresholds, then gather quite a few years of statistics, then, slowly let things become more efficient if that's both warranted by data and also warranted by simulation of events that you do not yet have data for.
Skipping steps in this because you want to put more cars on the road immediately is foolish and dangerous.
Sober, well-rested human beings who pay full attention to the road are surprisingly good drivers, to the point where I'm not actually sure that robotaxis can reliably beat them yet.
Yeah, a hundred years from now fewer people will drive themselves, but considering how many people DESPISE driving and only do it because it's required of them, that isn't bad.
I've lost enough friends to drivers who made a mistake. If self driving is better in just that, but worse every other way: I'm for it.
That might be a big if above, but of true them I support it. Drive on a private track or a video game if you must. Leave the real world to safe.
This will never happen, because the entire purpose of the corporate structure is to avoid responsibility.
Extremely selfish.
It appears to some degree that we as a society do not want risk priced optimally to each individual.
We replaced preexisting condition coverage with age-based tiered pricing. If you doubt me it's trivial to validate this using your state's ACA marketplace.