Message to Lilly, from insurance/bankster, revealing programs, agendae already underway —
Insurance for old cars to be ceased; forcing acquisition of new cars, electric/digital-cars. Loaded with microwaves, internet connectivity, tracking, monitoring, authentications unending, full remote control.
Autopilot safety will be higher for those paying more.
Battery tax, based on watt hours per kilogram.
6:39 in — “Our pilot projects, with the connection to AI, are particularly interesting: …in our insurances for autpilots: Here, the higher your insurance amount, the safer your autopilot will act. Don’t be under any illusions that the autopilot will act the same in all vehicles in the event of an accident. At every point in time we know who, when, how, why… is in the car.“
— transcript —
The concept of “pay-to-survive” in the context of automobile insurance, especially as it relates to self-driving cars, touches on several contemporary issues in technology, ethics, insurance, and transportation policy. While “pay-to-survive” might not be a widely recognized term in the industry, the underlying concerns reflect real debates about how insurance models should adapt to the advent of autonomous vehicles and the complexities they introduce. Here’s an exploration of the topic based on these themes:
### Insurance and Autonomous Vehicles
As self-driving cars become more prevalent, the automobile insurance industry faces the challenge of adapting to a new paradigm. Traditional insurance models are based on human driver behavior, including factors such as driver skill, experience, and history of traffic violations. Autonomous vehicles shift the focus from driver behavior to the reliability and decision-making algorithms of the vehicle itself.
### Potential “Pay-to-Survive” Scenarios
The notion of “pay-to-survive” insurance could imply a model where insurance premiums or coverage options are directly tied to the safety features or capabilities of autonomous vehicles. This concept raises several questions:
– **Premiums Based on Vehicle Safety Features**: Could insurance companies charge higher premiums for vehicles deemed less safe or equipped with inferior autonomous driving systems? Conversely, could they offer lower premiums for vehicles with advanced safety features, effectively creating a pay scale based on perceived survivability in an accident?
– **Ethical and Access Concerns**: Such a model could raise ethical issues, particularly if it leads to a situation where only wealthier individuals can afford the safest autonomous vehicles and the best insurance coverage. This scenario could exacerbate inequalities in road safety, where the ability to “survive” becomes a function of one’s ability to pay.
– **Liability and Autonomous Decision-Making**: In the event of an unavoidable accident, autonomous vehicles might have to make split-second decisions that could prioritize the safety of some individuals over others. The question of how insurance policies cover such decisions, and whether premiums might influence these outcomes, is complex and ethically charged.
### Regulatory and Market Responses
Governments and regulatory bodies are beginning to address these challenges by developing frameworks for the safe integration of autonomous vehicles into public roadways, including insurance requirements. Insurers are also experimenting with new models that account for the unique risks associated with autonomous vehicles, such as cyber risk and software reliability.
### The Future of Automobile Insurance
As the technology behind self-driving cars evolves, so too will the insurance models that support them. It’s likely that future insurance policies will need to consider a wide range of factors, including vehicle autonomy level, software updates, cybersecurity measures, and perhaps even the data privacy practices of manufacturers. The industry may move towards more dynamic and usage-based insurance models, where premiums are adjusted based on actual vehicle use, safety performance, and other real-time data.
While the term “pay-to-survive” captures a provocative and somewhat dystopian view of future automobile insurance, it underscores the critical need for ethical considerations, regulatory oversight, and equitable access as autonomous vehicles become a larger part of our transportation ecosystem. Balancing safety, innovation, and fairness will be key challenges for policymakers, insurers, and manufacturers in the years ahead.