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A simulation of vehicles with self-driving technology sensing each other as they travel down a road. At this stage, it is largely unclear how technical supervisor insurance will be priced and how it would compare to premiums for traditional auto insurance. (Credit: metamorworks/Shutterstock.com)

Autonomous vehicle technology has evolved to the point that, in some places, it’s no longer a surprise to see driverless vehicles navigating city traffic. Even with these advancements, however, there are still a lot of questions about how personal auto insurance needs to change in order to keep up with this tech.  

By way of background, road vehicles come with varying degrees of automation technology. To differentiate between these varying degrees, the Society of Automotive Engineers defined different levels: “level zero” refers to fully manual vehicles, while “level one” refers to cars with basic driving assistance features (e.g., adaptive cruise control) and “level two” refers to cars with more advanced driving features (think Tesla Autopilot). Meanwhile, levels three and four refer to “conditional driving automation” and “high” automation, respectively. Level five, the highest defined level of autonomy, refers to “full” automation, where no driver is needed at all. 

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