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That's a good point. I'll add that killing someone (even yourself) with a public chat bot is a drawn out affair. With a car it happens all the time.

There are enough jurisdictions in the world where if the car really was good enough, they'd let it go. Even in the US.

It took some time for cars to be available even in good weather in specific places, so I'm guessing no, the cars aren't good enough.

I’m not sure if you understand how insurance is priced.