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Comment by zdragnar | Hacker News Reader

Nah, insurance companies will change their coverage rates based on the feature, and / or it'll become another legally mandated feature like backup cameras.

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On the other hand, I wonder why insurance companies haven't led to the ubiquity of dashcams. I thought by now every vehicle sold would have one built in.

And my suspicion is that insurance companies don't push for you to get one because it prevents them from fighting claims that they would've won had there been no evidence.

Maybe it's similar for self-driving or whatever we're talking about here (sensors?).

They don’t care because at their scale it would be a wash - you’d only come out ahead if your insured drivers were consistently and significantly better drivers than every other insurance provider you fight claims against.

Then why not offer a "dash-cam discount" to the subset of customers that the insurer believes _are_ better drivers, like those with a long history of having no accidents or tickets and tons of miles?

Point is, there is flexibility in how different brands implement it. I think it will be the same as eco mode / sports mode / track mode.

In the first years maybe. However governments are watching this data and will make it mandatory on when they decide it is really better. (Assuming it is better in unbiased study) There are many governments, it only takes one and the car makers will be looking at if the override button is worth having.

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