>Once self-driving cars show a marked decrease in road accidents, insurance prices will rise.

Huh?

Edit: Just to be clear: The world you describe should see incuranse rates for self-driving cars markedly lower, with rates for driver-driven cars probably a bit lower (than current).

He means insurance prices will rise for those who choose to remain self-drivers. However, you bring up a good point, incidentally, that even if the insurance costs more for a self-driver versus auto-pilot, rates will go down for _both_ either way due to much safer roads.

Insurance costs for human-driven vehicles will rise.

I don't think that is necessarily true.. The cost of insurance is based on the average expected payout per customer... I don't think the average payout will increase, as being a human driver won't suddenly become MORE dangerous, at worst it will stay the same.

But what happens when the average expected payout is expected to go down? Insurance companies will expect lower loss ratios from self-driven cars, so doing something as dangerous as driving your own vehicle will carry a premium. Its very similar to how your health insurance premiums are much higher if you're a smoker. You can smoke, but you're going to be charged for this unnecessary, harmful action.

Oh, I have no doubt that driving your own car will be more expensive than taking a self-driving car. My point was that it wouldn't be more expensive than it currently is to have insurance (when everyone is driving their own car)

I am sure lots of people said. I'll never give up rising my horse for this weirs automobile. While I agree with you a lot and I love driving. You have to think that while we will continue to enjoy driving. Think of the next generation of children who grow up in a world where they never have to start learning to drive in first place. Where they don't appreciate it the same way. And instead they go to some random driving course for a fun day of driving. Like some people go to a stables or ranch to ride horses occasionally

Someone already beat you. They're called Zipcar and Uber.

Not the same. At all. And I highly doubt they are coming to Montana anytime soon.

You think those companies won't try and close down on that market once the technology is available? I don't think breaking the Montana market is the key to success, either.