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Holding people responsibleHolding people responsiblePosted Sep 6, 2007 17:24 UTC (Thu) by smoogen (subscriber, #97)In reply to: Holding people responsible by kleptog Parent article: Software liability laws: a dangerous solution
The insurance companies hold people responsible by setting premium rates, refusing to insure, and setting out rules for what a company must follow to get coverage. They also have a mile-long list of things that they will say they will not pay on to avoid bankruptcy. And finally they will file suit against other 'agencies' via liability loaws to reclaim monetary losses.
The big issue is that the major insurance companies will not get into the business of insuring against software problems until there is liability laws. And there will probably not be liability laws until insurance companies get into the market.
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Holding people responsible Posted Sep 8, 2007 2:14 UTC (Sat) by giraffedata (subscriber, #1954) [Link] You could just have stopped at "by setting premium rates." That's what laws like this are about. There's almost always going to be insurance; the question is who buys it. People like to think there's a morally correct person to charge for an accident, but there isn't. People buy insurance (or self-insure) and pass the cost around to others. A good liability law (or better: contract) is one that assigns liability to the party best able to control it. He works with his insurer to achieve the proper balance between cost of safety and risk of damage. But the risk is almost always controllable from multiple angles. The user of software can control the risk by using it behind a firewall, or with proper backups, or with encryption, etc. So maybe he's the best one to buy the insurance.
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