Safer cars are more expensive to insure

Apr 2013
34,873
23,582
Left coast
#1
This headline seems counterintuitive but in fact, read the following.

I have been a strong proponent of automated car functions and await the arrival of true self driving cars. In the end that should make life safer and cheaper. But while getting there ...

Normally, making something safer means reducing the amount of money you need to pay to insure it. But that's not the case with today's autos.

As cars evolve from being mostly mechanical to being computers on wheels, they become increasingly fragile, especially around the periphery. A CPU can sit safely in the center of the vehicle, but the sensors can't.

  • Chips and dents aren't cosmetic any more. They can easily push sensors out of alignment, or even break them entirely.
  • Repair bills have doubled as a result, according to AAA.
  • A windshield is no longer just a windshield. Today, it can house sensors for automatic emergency braking, adaptive cruise control and lane departure warning systems. That's h0w a $200 windshield repair becomes $1,500 or more.
  • In the age of distracted driving, the most common collision is when the car behind you hits your rear bumper at low speed. That could cost $3,500 to repair if the ultrasonic system for parking assistance is damaged as well as rear radar sensors used for blind-spot monitoring and cross-traffic alerting. And that's if you can find a mechanic qualified to make such repairs.
The bottom line: Modern cars, equipped with modern electronics, are genuinely safer. They save lives and could prevent millions of injuries. But insurance doesn't just cover damage to humans. It covers damage to cars, too, and those costs are only going up.
From Axios Edge.
 
Dec 2013
31,089
18,647
Beware of watermelons
#2
They should be. Those new cars w/ all of those "safty features" are not allowed on the track. Imo they lul people into a false sense of security. I don't trust them and don't personally want to share the road w/ "self driving cars"