Personal Auto Insurance Basics: Self-Driving Cars

​Driverless cars may be a thing in the future as some manufacturers have already released several self-driving features. Although there hasn't been a formal introduction of completely autonomous vehicles, this could happen in the coming years. 

Some communities have yet to receive access to self-driving vehicles, also called autonomous cars. But, automated driving features are now being evaluated and installed in some cars, helping to relieve a driver's burden. 

Self-Driving Technology in Six Levels

Level Zero
When set to Level 0, the vehicle will only respond to commands given by the driver. It has no self-driving capabilities to adjust or minimize the projected hazard, even if it uses sensors to alert you in nearby traffic, such as an alert system or a driveway warning.

First Level
It allows your vehicle to make a minimal effort to keep you safe while driving. Level 1 technology is a lane-keeping system that helps shift you into a center lane.

Second Level
Features can interact with one another and communicate, while you can use multiple functions at once. Autonomous technology includes adaptive car control, which regulates your speed to maintain your car in the middle of the road and keep a specific distance from the vehicle in front of you.

Third Level
At this level, the car can automatically operate in some situations. But, the driver must still be there and ready to take control. Car manufacturers have put Level 3 systems to the test and let the driver take their hands off. For example, during a line of traffic, it notifies them to take control once the blockage is gone.

Fourth Level
The automobile can act independently on familiar roads at this level. The rider is under no obligation to take over the wheel. Also, a steering wheel and pedals may or may not be present in these vehicles. Level 4 driverless vehicles undergo testing in selected areas. But, no state has yet given them universal approval for usage.

Fifth Level
On any route and in any weather, the automobile can operate autonomously at this stage. Both a steering wheel and pedals are absent from these cars. Machines at Level 5 are still conceptual at this time.

Reminder
Even though the risk of an accident is decreased by self-driving cars, auto insurance will still be necessary. It includes coverage for theft or bad weather. Regarding auto insurance, each state has its unique laws. In addition, the minimal standards for coverage vary throughout regions as to how each state handles responsibility for injuries.

At McClain Matthews Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at  (317) 298-7500 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!