And recent innovations in car insurance — including gap insurance, which covers so-called underwater borrowers, who owe more than the car is worth — prove that the industry isn’t standing still, he added. Down the road, we could even see software-update coverage, which would protect a driver if out-of-date software causes an accident.
http://www.ilstv.com/what-will-auto-insurers-do-when-there-are-no-drivers-left-to-insure/