<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>snowwrestler</author><text>Yes, this is my point: rate increases after accidents are done &lt;i&gt;by choice&lt;/i&gt; of the insurance company, not because their risk management requires them to do so, as the grandparent post implied:&lt;p&gt;&amp;gt; Premiums go up after an accident because it is more likely that you are a poor driver and likely to have another accident.&lt;p&gt;No, premiums go up in that situation when the insurance company thinks they can do so and not lose too many customers. As you point out, not every insurance company operates this way.&lt;p&gt;An insurance company only cares about managing risk and revenue across the entire pool. They plan to pay out a certain number of claims, so any given accident might simply be fulfilling the actuarial expectations and not altering their risk calculations at all.</text><parent_chain><item><author>aetherson</author><text>I&amp;#x27;ve been involved in several reported accidents that were judged to be fully the fault of the other driver, and my rates have never increased.</text></item><item><author>snowwrestler</author><text>Insurance companies raise premiums after accidents because there is an excuse to do so. It has nothing do with your likelihood to have another accident, and everything to do with charging you more so that they can attract new customers with a lower price. Premiums go up even if the driver is found to be not at fault.</text></item><item><author>tyre</author><text>Look at insurance premiums. Premiums go up after an accident because it is more likely that you are a poor driver and likely to have another accident.</text></item><item><author>ajkjk</author><text>What evidence? Certainly individual humans (anecdotally: like myself) do.</text></item><item><author>thrownaway2424</author><text>The idea that humans learn well from accidents stands contrary to all available evidence.</text></item><item><author>underbluewaters</author><text>I think it&amp;#x27;s pretty clear that the bar for safety must be much higher (10x) than human-level for these to be accepted by consumers. Auto accidents are very common, and the first time someone has an accident with a car like this everyone they know will hear about it. It will be terrifying. If these are only as safe on average as a human driver then nearly everyone is going to have at the very least a 2nd-hand negative experience.&lt;p&gt;The emotional response to these accidents is not going to be entirely irrational either. If I have a minor accident with my traditional truck, I&amp;#x27;m going to probably have a good understanding of what went wrong and how I can prevent future collisions. With an autonomous vehicle... software upgrade? I&amp;#x27;d rather take responsibility for my own safety if that&amp;#x27;s the case.</text></item></parent_chain></comment><story><title>On Google&apos;s self-driving car acident rates</title><url>http://ideas.4brad.com/google-releases-detailed-intervention-rates-and-real-unsolved-problem-robocars</url></story>
<instructions>Your goal is to analyze the following comment and estimate how highly it will be upvoted by the Hacker News community.</instructions><comment><author>ams6110</author><text>Same. I&amp;#x27;ve also had one at-fault accident and my premium went up in the sense that my &amp;quot;accident free discount&amp;quot; was removed for about 24 months. But I eventually got that back too.</text><parent_chain><item><author>aetherson</author><text>I&amp;#x27;ve been involved in several reported accidents that were judged to be fully the fault of the other driver, and my rates have never increased.</text></item><item><author>snowwrestler</author><text>Insurance companies raise premiums after accidents because there is an excuse to do so. It has nothing do with your likelihood to have another accident, and everything to do with charging you more so that they can attract new customers with a lower price. Premiums go up even if the driver is found to be not at fault.</text></item><item><author>tyre</author><text>Look at insurance premiums. Premiums go up after an accident because it is more likely that you are a poor driver and likely to have another accident.</text></item><item><author>ajkjk</author><text>What evidence? Certainly individual humans (anecdotally: like myself) do.</text></item><item><author>thrownaway2424</author><text>The idea that humans learn well from accidents stands contrary to all available evidence.</text></item><item><author>underbluewaters</author><text>I think it&amp;#x27;s pretty clear that the bar for safety must be much higher (10x) than human-level for these to be accepted by consumers. Auto accidents are very common, and the first time someone has an accident with a car like this everyone they know will hear about it. It will be terrifying. If these are only as safe on average as a human driver then nearly everyone is going to have at the very least a 2nd-hand negative experience.&lt;p&gt;The emotional response to these accidents is not going to be entirely irrational either. If I have a minor accident with my traditional truck, I&amp;#x27;m going to probably have a good understanding of what went wrong and how I can prevent future collisions. With an autonomous vehicle... software upgrade? I&amp;#x27;d rather take responsibility for my own safety if that&amp;#x27;s the case.</text></item></parent_chain></comment><story><title>On Google&apos;s self-driving car acident rates</title><url>http://ideas.4brad.com/google-releases-detailed-intervention-rates-and-real-unsolved-problem-robocars</url></story>