A new report, Insuring Autonomy: Analyzing the Implications of Self-Driving Cars for the Auto Insurance Industry, finds that by 2044, in the most aggressive adoption scenario, most cars could be automated to a level where liability shifts from the driver to the auto manufacturer. They believe that wide adoption of autonomous vehicles likely means that car insurance would be replaced by product liability insurance, which would ultimately be borne by the auto manufacturers when Level 4 or 5 autonomy is achieved.