updated with more types of insurances and risks in the years to come. Technology errors and omissions – This insurance will cover any physical risk if the technology itself has failed. These usually include all of the associated expenses of a car crash. Auto liability and physical damage – This insurance covers third-party injuries and technology damage. Cyber liability – This insurance will protect companies from any lawsuits from third parties and penalties from regulators regarding cybersecurity. Directors and officers – This insurance protects a company's balance sheet and assets by protecting the company from bad management or misappropriation of assets. With the technology embedded in autonomous vehicles, these self-driving cars are able to distribute data if a car crash occurs. This, in turn, will invigorate the claims administration and their operations. Fraud reduction will also disable any fraudulent staging of car crashes by recording the car's monitoring of every minute on the road. ADAS is expected to streamline the insurance industry and its economic efficiency with capable technology to fight off fraudulent human behavior. In September 2016, the NHTSA published the Federal Automated Vehicles Policy, which describes the U.S. Department of Transportation's policies related to highly automated vehicles (HAV) which range from vehicles with ADAS features to autonomous vehicles. Ethical issues and current solutions In March 2014, the US Department of Transportation's National Highway Traffic Safety Administration (NHTSA) announced that it will require all new vehicles under 10,000 pounds (4,500 kg) to have rear view cameras by May 2018. The rule was required by Congress as part of the Cameron Gulbransen Kids Transportation Safety Act of 2007. The Act is named after two-year-old Cameron Gulbransen. Cameron's father backed up his SUV over him, when he did not see the toddler in the family's driveway The advancement of autonomous driving is accompanied by ethical concerns. The earliest moral issue associated with autonomous driving can be dated back to as early as the age of the trolleys. The trolley problem is one of the most well-known ethical issues. Introduced by English philosopher Philippa Foot in 1967, the trolley problem asks that under a situation which the trolley's brake does not work, and there are five people ahead of the trolley, the driver may go straight, killing the five persons ahead, or turn to the side track killing the one pedestrian, what should the driver do? Before the development of autonomous vehicles,