Editor's Note: This article was written by Kevin Quinley, principal of Quinley Risk Associates.

NFL quarterback Peyton Manning gushes about his OnStar system—and his Buick Verano—in a recent TV commercial. He calls audibles from the comfort of his car's driver seat. Many consumers love what such systems can do to enhance the driving experience. To take it a step further, what if your car could drive itself

Technological advances are bringing this futuristic vision closer and closer. German engineers have developed a prototype called the Lux. Nissan has a version of the Leaf, which it may roll out in 2015. Reportedly, BMW, Toyota, and Ford are all working on versions of driverless cars. 

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