text: Another thing is the fact that if you were to get in a accident in the car would it be your fault or the car companys and how would insurance take care of that if one person was in a driverless car and the other was not or if both were in a driverless car who would be a fault and have to pay, how would insurance work because insurance is based on the human driving past and experience but if the car was driving how would the insurance be based.     Teen Driving Without Cell Phones