It's a better way than gut feelings, confirmation bias, magical thinking, and other ways arm chair experts tend to casually assert or dismiss stuff. Insurers a

It's a better way than gut feelings, confirmation bias, magical thinking, and other ways arm chair experts tend to casually assert or dismiss stuff. Insurers are on the spot financially. If they get it wrong, it comes out of their margins. Ultimately, you need insurance to be on the road. If you cause an accident, the other side will want to see some money. That's why insurance is mandatory: to make sure that money is there. The price of the insurance is directly correlated to how likely you are to cause an accident. Insurers use all sorts of criteria, including how young or old you are and how much claims you've made before. Insurers noticing that they get a lot less claims for self driving cars is going to pretty soon lead to price differences for people who still choose to drive themselves. Cars without self driving features are going to be more expensive to insure. Liability with self driving cars vs. manual drivers is also going to be different.