alt Hacker NewsWaymo hits you -> you seek relief from Waymo's insurance company. Waymo's insurance premium go up. Waymo can weather a LOT of that. Business is still good. Thus, poor financial feedback loop. No real skin in the game.
John Smith hits you -> you seek relief from John's insurance company. John's insurance premium goes up. He can't afford that. Thus, effective financial feedback loop. Real skin in the game.
NOW ... add criminal fault due to driving decision or state of vehicle ... John goes to jail. Waymo? Still making money in the large. I'd like to see more skin in their game.
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>John Smith hits you -> you seek relief from John's insurance company. John's insurance premium goes up. He can't afford that. Thus, effective financial feedback loop. Real skin in the game.
Ah great, so there's a lower chance of that specific John Smith hitting me again in the future!
> John Smith hits you -> you seek relief from John's insurance company. John's insurance premium goes up. He can't afford that. Thus, effective financial feedback loop. Real skin in the game.
John probably (at least where I live) does not have insurance, maybe I could sue him, but he has no assets to speak of (especially if he is living out of his car), so I'm just going to pay a bunch of legal fees for nothing. He doesn't car, because he has no skin in the game. The state doesn't care, they aren't going to throw him in jail or even take away his license (if he has one), they aren't going to even impound his car.
Honestly, I'd much rather be hit by a Waymo than John.