Mark my words, in 2036 this story will read like a blast from the past. I read somewhere on this site recently that Waymo is about 9x safer than human drivers, and that number isn't going anywhere but up. What accidents remain will mostly be the responsibility of self driving car makers and fleet operators, and those don't deal with strip mall insurance agents. Please join me in a moment of silence for the dissolving business model of the automotive insurance industry over the next decade. And several moments of joy for tens of thousands of fewer crippled and killed people per year.

I think you’ve gotten things confused.

Automative insurance has entered the “regulatory capture” stage, which is the highest form of actualization in capitalism.