How will driverless cars impact the auto insurance industry?
Kill insurance companies? No. Disrupt and change? Of course.Predictions:In their report titled “Marketplace of Change: Automobile Insurance in the Era of Autonomous Vehicles” KPMG asserts some of the boldest predictions for the insurance industry.In the report, KPMG predicts the following:80% reduction in accident frequency by 204060% reduction in loss costs150% increase in average loss severitySimilarly, Price, Waterhouse, Coopers (PWC) report titled “Top issues for the Insurance Industry in 2015” predicts a significantly lower impact:20% reduction of losses by 2035There are however, significant barriers to wide spread use of autonomous vehicles. The KPMG report cites among other variables:Integrity of the technologyInfrastructure availabilityRegulatory permissionLegal responsibilityConsumer adoptionUrban vs. Rural:Though implied, the reports by both KPMG and PWC mention little of the impact geography and community types will have on the adoption and use of autonomous vehicles.Self-driving cars will realize greater usage in urban and suburban areas. Ride sharing, car sharing and corporate owned autonomous fleet vehicles pose significant benefits in those environments.The realities are different in rural areas. The American countryside is still home to 60 Million people making up 20 percent of the US population. These wide ranging areas are prone to underdeveloped and unpredictable roads and driving conditions. The geography and demographics of this population yields more challenges to the adoption of the fully autonomous vehicle model.Regardless, the full impact of self-driving cars on insurance is decades away. As PWC suggests in their 2015 report:“There is typically a fifteen-year span between the initial introduction of a new technology and 95 percent new vehicle availability. It takes an additional 15 years (or 30 years total) to reach 95 percent of all vehicle availability”Kill?Assuming widespread adoption, use of autonomous vehicles still presents an exposure to loss, and as KPMG suggests, increased severity.Overall there is little doubt the shift in autonomous transportation will decrease insurance costs - and - move exposure away from the driver/passenger to the autonomous vehicle’s manufacturer/owner.But “kill car insurance companies”? Though it may be disappointing to some, as long as exposure to loss is transferable for a reasonable price, insurance companies will survive.
Explain How the fortunate race car drivers survived their high speed crashes.?
The structure of a race car causes it to decelerate at a non-lethal value under most normal racing conditions (if they crash head-on into the wall then that may not be the case) All hard surfaces are padded, there is a roll cage to protect the driver from getting smashed like a bug. The driver is required to wear safety gear like a helmet, safety harness, gloves, etc to protect against things like smaller debris, fire, etc. All of these protections are designed to provide enough margin that the driver will survive for a long enough period for help to arrive on site (such as fire truck to put out flames, etc). Note that these protections do NOT prevent the driver from getting hurt, just protect from being killed in most circumstances. OK, in physics terms. The safety equipment is designed to provide acceleration rates in the non lethal range for a human body. Like packaging around a fragile item that you ship. Some items are designed to be sacrificial in that they are destroyed in the process (like a fender bending inward rather than being totally rigid and transfering all energy to the driver)
Why exactly do cars have speed limiters?
speed limiters are strictly a safety device. they are programmed into the computer chip that resides in your cars computer. there are multiple reasons a car is limited like this. the OEM tires are not rated for high speed.... or you vehicle is not aerodynamically stable at high speed are the two main reasons this is done. tires can blow out if pushed past their 'speed rating'. at high speed you can can begin to 'float' as air becomes pressurized passin under your car at high speeds thus lifting it off the road and no car was made to fly! example: 1987 buick regal GN.... this car is a definate 150 mph car right outta the box. but they came with tires ( albeit goodyear tires ) rated for 125 mph. also this car while heavy and stable up to 130 mph, will start to lift in the front (lose your ability to steer ) if you exceed 130 mph. so buick programmed the stock puter chip to limit the car to 122mph. yes it is possible to get around the limiter. in the example above all you have to do is change the chip with an aftermarket chip, get a V rated ( up to 150mph ) or Z rated ( up to 200 ) tire. this still however doesnt solve the floating problem at high speeds. to solve this takes some work to the car body. lowering a car and adding a smooth skin or plating to the underside of car will actually cause the car to "suck" itself down to the pavement. take a good look at the underside of a formula or NASCAR type car. also you will need 'fins' or 'aerodams' in both the front and rear of car to help direct air downward on the car, called 'downforce'. some cars already come stock with tail fins ( the wing across your rear deck lid ) but these are usually not good enough and need to be replaced with larger versions.
Formula one - Why did Ayrton Senna's head move after his crash? How did his injuries kill him and how quick was his death?
The telemetry shows that Senna's car left the road at the Tamburello corner at 310km/h, before hitting the outside wall at 218km/h.The angle with which he hit the wall caused the right-front wheel to tear off upon impact, entering the cockpit and hitting Senna on the front part of his helmet. The violence of this impact caused his head to push back against the headrest, causing massive skull fractures.In addition, a piece of suspension had partially penetrated his head, and another piece just above his right eye.An emergency trachetomy was performed at the time, and Senna's breathing was artificially maintained. He was placed on life support after being flown to the nearest hospital. After having his heart restarted once, it once again stopped beating at 6.37pm, and at 6.40pm he was officially declared dead, some five hours after the accident.Given the severity and nature of his injuries, it is likely that Senna was, for all intents and purposes, dead upon impact. The moving of the head was an involuntary spasm consistent with a massive head injury. Persisitance accomodative spasms and spasticity is common with patients who have experienced brain trauma. More information can be found here Page on nih.gov. It may be a combination of brain trauma and loss of blood that killed Senna.
Can someone explain to me the logic behind being a vegetarian/vegan to stop animal cruelty?
Ever been to a slaughter house? Picture THOUSANDS of chickens stuffed into cages so small they can't move around, and stacked on top on each other. All they do is eat, stand in place, and crap down on the chickens beneath them. Imagine leading a cow by the rope tied around it's neck to a post where it's tied down so you can pummel it over the head with a sledge hammer. And you have to do it a few times. Cow's don't always go down on the first swing. Then move over to the baby cows. Kept immobile from birth, their throats will be slit and they will slowly bleed to death. But that's how we get veal, and the meat cuts like buttah! Mmmmmm!!! And the meat you got for your BBQ this weekend? Well, you ever wonder how any one cow could taste so good? It can't. Every package of ground meat you get contains at least 3 different cows. Some from here. Maybe some from Paraguay. Perhaps a bit of Mexican cow. All ground together god-knows-where. And pigs... Well. Eating pigs is just plain wrong no matter what. What makes PEOPLE so special that they can't be killed even if it brings about a much greater good? --- To say that an animals purpose is to be eaten because that's "it's function in society..." I don't mean to sound rude, but this really is a weak grasp. By your logic, my horse can live because he carries my tools. And my dogs can live because they chase the squirrels out of my field and protect my home when I am away. ALL of my animals are part of a therapy program for disabled children. My animals are contributing to society. But my able-bodied and lazy neighbor who doesn't have a job and has sponged welfare for years can be killed. And if nutrition is the greater good, then you'd be a vegan. It's FACT that a vegetarian diet is healthier and easier for the body to digest. The nutrients INJECTED into cows, chickens, pigs, fish, etc., and even those sprayed over your cereals before they are boxed, are found NATURALLY... where? Right... Fruits. Veggies. Grains.