I apologize if I gave the impression that I had personal knowledge of your driving record and traffic violations spanning over the last 36 months. I assure you, my intent in using the word "you" was merely to illustrate a general situation in which an individual (though surely not yourself, palata, specifically), will find themselves being penalized for a prior incident. As my comment was surely read by thousands of HN readers, one imagines that as each of them read the word "you", they pondered their own driving history in their lived experience.

Now that we have established the fact that you, palata, did not have a speeding ticket 3 years ago, I would encourage you to think about the application of my statement, to your actual situation. That is, you may substitute the words "speeding ticket 3 years ago" with any traffic violation or insurance claim where you were determined to be at fault, over any time period which might not be 3 years. Then the question is raised of whether you, palata, would incur higher insurance costs than Waymo.

Let me just try to understand your point. Someone says "you are objectively higher risk than an autonomous car, so it's normal that your insurance makes you pay more if you drive".

To which I answer: "how objective is that, when the claim comes from the company selling the autonomous car?"

Then you tell me something that I understand as: "well, you are objectively higher risk because if you look at your record, you have made mistakes that show that your are".

And when I say "actually, I haven't", you patronize me? Is that how it works?

No. I haven't killed more people than autonomous cars have. Before you can prove that over my life as a driver, I will cause more damage than an autonomous car would have, then you don't get to say that I am objectively higher risk and therefore should pay more insurance.

Now you can try to look at studies that try to prove that. And when I ask "how objective is that?" when the study comes from those who benefit from those results, you can stop for a minute and consider that maybe, I am allowed to ask.