Fewer accidents translate into lower insurance rates, and driverless car technologies could lower rates by as much as $475 per year, according to industry experts.

Driverless cars are on the streets in California, Nevada, Michigan and elsewhere, and while they are proving to cause fewer accidents than human drivers, there will continue to be accidents and someone will be liable for them. However, who will be responsible, and who will need insurance, is not yet clear.

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