Future states 3 and 4: For fully autonomous vehicles, vehicle owners whether a private individual or a mobility management provider may need comprehensive coverage, even though technological advancements may significantly decrease loss frequency in this category. For example, self driving cars would be difficult or impossible to steal, and could be programmed to seek shelter in the event of a severe storm or rising floodwaters. OS providers may choose coverage more akin to product liability policies to insure against new sources of risk such as malfunctioning hardware or software, flawed algorithms, or security breaches. Those that self insure may need stop loss or other types of catastrophic coverage. Future state 2: For shared driver driven vehicles, insurers may look to help these customers reduce their costs by offering coverage for subscription or per trip fees that the mobility management company can pass along as an added fee to their passengers. Instead of fixed term blanket coverage, drivers would be covered and pay on a trip by trip basis; companies such as Zipcar currently employ this model, including insurance in the cost of a trip.
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If you decide to go that route be sure to get your lawyer's "Fee Structure" in writing. And to remain current on the progress of your claim insist that you receive copies of all correspondence. PLUS: Be sure your lawyer knows that he or she must have your agreement before committing to any settlement!Dan Baldyga's third and latest book AUTO ACCIDENT PERSONAL INJURY INSURANCE CLAIM How To Evaluate And Settle Your Loss can be found on the internet at or . This book reveals "How To" successfully handle your motor vehicle claim, so you won't be taken advantage of. It also goes into detail regarding the revolutionary BASE The Baldyga Auto Accident Settlement Evaluation Formula. THE BASE FORMULA explains how to determine the value of the "Pain and Suffering" you endured because of your personal injury. DISCLAIMER: This article is intended for background information. Its only purpose is to help people understand the motor vehicle accident claim process. Dan Baldyga nor ARTICLECITY. COM make no guarantee of any kind whatsoever, NOR do they purport to engage in rendering any professional or legal service, NOR to substitute for a lawyer, an insurance adjuster, or claims consultant, or the like. Where such professional help is desired IT IS THE INDIVIDUALS RESPONSIBILITY to obtain it.