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That 1st link is the CA government, not an insurance company. Also, it doesn't seem to be a regulation requiring people to do something. It's something people can optionally do, and if so, get a discount on insurance. That's not insurance companies pushing for regulation, it's insurance companies offering a competitive price to both high-risk and low-risk houses, similar to how car insurance companies base their rate based on how risky of a driver they estimate the person to be.

But fire insurance is different from auto insurance. Insurance companies want uncorrelated risk. Insurance companies want a high rate of car crashes, but the exact same rate of car crashes each year, because that makes planning easy. If there's a risk that in a some years way more crashes will happen than other years, that's correlated risk and makes planning difficult; they don't want that.

For cars, there's not much correlated risk. For fire insurance, there is correlated risk due to wildfires. So to reduce correlated risk, insurance companies do likely want to reduce wildfires, while still wanting to increase non-wildfire fires.

Self-driving cars will increase correlated risk, because there could be some software update with a bug that's pushed out and causes a ton of crashes. (That risk does also exist with cars today, due to the various software in cars, but self driving increases the risk.)

The 2nd link is an insurance company, but it as well doesn't seem to be advocating for regulation.



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