[perl4ever]

>There is a huge cost to not adopting new safety measures

That statement doesn't seem meaningful to me in a vacuum, without further qualification. It's not at all guaranteed that safety features have net benefits, either measured financially or in estimated human welfare. Have you noticed there are a lot of high tech safety features in modern cars, but insurance companies are selective about which ones receive discounts?

If self-driving cars are substantially safer, insurance companies will be able to give substantial discounts. I vaguely remember Tesla making noises about providing insurance to their own customers, but I don't know if it came to anything.