AUTOMATED INSURANCE TOGGLING FOR SELF-DRIVING VEHICLES

A method and/or computer program product automatically toggles insurance policy provisions for a self-driving vehicle (SDV) based on an operational mode of the SDV. One or more processor(s) receive an electronic signal indicating an operational mode of an SDV in real-time, where operational mode is either an autonomous mode or a manual mode. A first insurance policy provision provides coverage while the SDV is operating in the autonomous mode, and a second insurance policy provision provides coverage while the SDV is operating in the manual mode. The processor(s) monitor the SDV for a change in real-time to the operational mode of the SDV. In response to detecting a change in real-time to the operational mode of the SDV, the processor(s) dynamically toggle activation of the first and second insurance policy provisions consistent with the change in real-time to the operational mode of the SDV.