#The Insurance Implications of Neuro Car (and what it tells us about the risks)

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narrow tiger
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(This is not professional or legal advice and I am not liable for anything you do with this information)

The full sized Neuro Car is criminally reckless to the extent of being arguably immoral. But I don’t think anyone's going to listen to me if I list out the very blatant evidence that Neuro is violent and you shouldn’t put her in a full sized automobile even if you take precautions, so instead I’ll posit this. Neuro Car is an insurance nightmare.

There are several parts to this:

Auto insurance

I’m assuming this is happening in the UK since Ellieminibot is moving there for a while.
You don’t technically need insurance to drive a car on private land that is not accessible to the public, however you must declare your vehicle off the road with something called a ‘Statutory Off Road Notification’ (SORN), or else you are still required to have insurance

This also means that the Neuro car will have to be transported via towing to wherever it is you want it, as it cannot be driven on roads.

Why not get regular car insurance:
Insurers on the standard market don’t have appetite for murder robots

Why not just insure it like regular self driving cars?
2 reasons
A) Neuro car is much more dangerous than a regular self-driving car. Regular self-driving cars have no other goals than safely and effectively getting from point A to point B, they are not given a personality (especially not a violent one like Neuro). They are also worked on by a larger team then Neuro Car for a longer time than Neuro Car.

(Post continues in replies cuz of length restriction)

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B) Those are not done through traditional auto carriers. Google’s Waymo is insured through a capture, which is a complicated thing, but it’s basically when a company makes their own insurance company. The self-driving fleet of the Chinese company Baidu is something similar. My Chinese isn’t good enough for me to do a deep dive on their situation, but they have partnered with Swiss Re, who do reinsurance, so it’s probably something similar to the capture situation if not the same.
What is reinsurance? A good explanation of that would take this too far off topic, but just know that it is not something that would be practical for Vedal AI to obtain.
Importantly, there is only one neuro car, for solutions like these to work (or insurance in general really) you must have many many cars. (The reason for that is math)

Liability

If Vedal.ai has any sort of liability coverage, whether that be something they chose to acquire themselves or were mandated to get by a partner like Mythic or the government then this concerns that too. The Neuro Car project is a big deviation away from standard operations for Vedal.ai, so it’s going to be what’s called material information and it must be disclosed or else the policy could be canceled (or possibly even have a claim denied)

If they don’t have any liability insurance, they really should consider it given that broadcasting comes with major personal and advertising injury risks.

Funded retention (store money in case of accident) is another possibility, but it would not be an ideal risk solution given the high severity and (hopefully) low frequency of incidents.

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Afterthought
In the end, insurance is a technique of risk management, and even though you may be able to transfer some of the fiscal risks of Neuro Car, the projects Vedal.ai does are inherently interesting and draw attention, and there is grave danger to the people working on the project, so private property isn’t full proof. The legal risks are great, and no sum of money can ever truly undue the damage if someone ends up hurt (not to mention the possibility of criminal charges).

short flint
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I read all of this

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Thanks

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So a neuro car is a bad idea

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But if I just get one and dont drive it at all

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Like keep it in my garage

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And buy insurance in order to keep it new

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And steady

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Since cars rust and age

silk kite
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I wish Neuro the best in running over people

short flint
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I am neuro

west scarab
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I guess Bao getting run over would be unfortunate evidence too if insurance providers looked into it

tawny nymph
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Wow that was a lot.

fresh wasp
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okay.. what if.. and hear me out: dirt bike?

torpid python
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Who asked? SMILE

fresh wasp
sly gale
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I get OPs concerns but i don't think we really need to worry that much. Unless Ellies leavening the states in like the next year or whenever she leaves everything should be fine. She said she has family who own private land that she can use. Depending on where this is she doesn't need insurance on the car if its operated on private property. Ellie has also said that she will be implementing safety features like an override or emergency stop in case something does happen. The only issue I do see is liability coverage. For now we should just wait and see because currently i think everything falls under Ellie because she is funding the car out of her pocket.

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Also Vedel didnt ask Ellie to make neuro car if i recall. Since this is all being done out of passion I don't think there has to be a worry about liability. If others start getting involved then maybe.

pliant knot
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they're all gonna die after getting run over anyway so they just need life insurance mhm

sly gale
west scarab
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After seeing that neuro car video this brought up new concerns cus that Ellie crash could've gone really bad and it makes me worry if it was shrugged off

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I'm guessing neuro didn't understand the consequences of what could've happened with her actions but im hesitant to make a new discussion for this