Scene: It’s 1 a.m. in the morning. You’ve been out on the town having a fantastic night, and now it’s time to go home. You’re physically tired from dancing and the general hustle and bustle of an evening out. You plop down in your brand new self driving vehicle and activate the ignition. After a moment of the customary beeping, whirring, and start-up noises a voice says: "Good evening (insert name), I detect that you’re drowsy. During this trip I may require your driving assistance in the event of an emergency. If you wish to proceed to the destination, you must authorize your auto insurer to increase your premium until arrival. This amount will be added to your monthly payment. To authorize, say yes."