https://www.cnet.com/roadshow/news/should-insurance-companies-control-self-driving-cars-oxbotica/

That's one potential reality being proposed by Oxbotica, an autonomous-vehicle startup that is looking at how tomorrow's automated vehicles gather and share data. 

Spun off from the University of Oxford, Oxbotica's co-founder and Oxford professor, Paul Newman, suggests that if tomorrow's self-driving cars are actively monitored and shaped by insurance companies, they could adjust vehicle behavior to account for nearby risk factors as they drive.