Right now, insurance rates are calculated based on the drivers record — their claims histories, driving records and such. To evaluate one`s driving habits even better, some insurers also use devices that allow them to track speeding, mileage and even accident details. When insurers consider ones driving behavior safe, they can then offer discounts as rewards for safe driving. But does a driverless car changes that model, shifting the insurance toward automakers, and away from drivers or car owners? Some believe that ultra-safe cars that can avoid most or all accidents will mean that many insurance companies will go belly-up, since there would be no or very little risk to insure against. But things could go the other way too: we could see mega-accidents