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This will be taken care of by insurance companies. If the data is there to show that automatic cars are involved in a lot less accidents than regular cars, the insurance premium will be prohibitively expensive for non-automatic cars. Only rich folks will be able to drive.

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why would premiums be higher than they are now? Premiums for automatic should be lower. No reason for current premiums to go up. With all other automatic cars on the road, even a man driven car is less likely to be in an accident than currently. Premiums all around should go down.

Why would the premium be higher than what it is right now?

Yes, more likely it would be lower for the autonomous vehicles once their enhanced safety was proven, as opposed to higher for other vehicles.

Your risk pool becomes much smaller.

Because profit.

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