(The Epoch Times)—Whether it’s driving a car or summarizing a doctor’s appointment, autonomous artificial intelligence (AI) systems can make decisions that cause real harm, rapidly changing the landscape of liability.
Attorneys and AI developers say U.S. laws must keep up with the technology as debate persists over who’s responsible when things go wrong.
Lawmakers are looking to close the accountability gap by shifting burdens and expanding who can be held accountable when autonomous AI systems fail. Unlike non-autonomous AI systems, autonomous models are more likely to be unpredictable.
In the United States, a legal patchwork is slowly forming. In 2024, Colorado passed a law, Consumer Protections for Artificial Intelligence, requiring those deploying “high-risk” AI systems to protect consumers from “reasonably foreseeable risks” starting Feb. 1, 2026.
Since 2023, New York has enforced a law that prohibits employers and employment agencies from using automated employment decision tools unless they have undergone a bias audit within one year of the tool’s use. The results of the audit must be made public.
Presently, there’s no concrete federal legal foundation that demonstrates clear-cut accountability when autonomous AI systems fail, prompting some legal experts to say there must be greater transparency.
“For centuries, legal frameworks for assigning liability have relied on well-established principles designed for a human-centric world,” Pavel Kolmogorov, founder and managing attorney at Kolmogorov Law, told The Epoch Times.
Kolmogorov said that cases of negligence require proof of a breach of “duty of care.” Liability related to products holds manufacturers responsible for defects or design flaws. However, both scenarios assume there’s clear human oversight and relatively static, predictable tools.
“Autonomous AI systems fundamentally disrupt this paradigm,” Kolmogorov said. “Their defining characteristics—complexity, operational autonomy, and the capacity for continuous learning—create profound challenges for applying these traditional legal concepts.”
He also said AI’s “black box” problem, where even developers can’t fully explain the specific reasoning behind an AI’s decision, makes it extraordinarily difficult to pinpoint a specific breach or defect in the traditional sense.
Kolmogorov gave an example of a legal quagmire: “When an autonomous vehicle makes a fatal error, was it due to a flaw in its original code, a limitation in its training data, an unpredictable emergent behavior learned over time, or some combination thereof?”
Autonomy in Action
The idea of AI driven cars running people down in the streets is no longer a sci-fi concept. The landmark 2018 case involving a self-driving Uber vehicle that struck and killed a pedestrian in Tempe, Arizona, was the first recorded fatality involving a fully autonomous vehicle. The human passenger, or “backup” driver, was ultimately charged with negligent homicide.
This was far from an isolated incident. Between 2019 and 2024, there were 3,946 autonomous vehicle accidents, according to the Craft Law Firm. Of these cases, 10 percent caused injury and 2 percent resulted in fatalities.
“Right now, the law still treats autonomous driving systems under traditional negligence and product liability principles,” a representative for Valiente Mott Injury Attorneys told The Epoch Times.
“If a driver is expected to monitor the system and fails to intervene, they can be held responsible for negligence. But if the technology itself is defective or marketed in a misleading way, the manufacturer may face liability. In many cases, fault can be shared. We’re essentially applying old legal standards to new technology until the law catches up.”
The representative added that current laws were written with human drivers in mind.
“As autonomy increases, legislatures and courts will need to define how responsibility is allocated between human operators, manufacturers, and possibly even software developers.”
This ambiguity leads to what Kolmogorov called “responsibility fragmentation.”
“Unlike a simple tool with a single manufacturer and operator, an AI system is the product of a long and complex supply chain,” he said. “When a failure occurs, attributing liability becomes an exercise in untangling a dense web of dependencies, making it difficult for a victim to identify the appropriate defendant.”
This autonomous AI supply chain can include data suppliers, software developers, hardware manufacturers, system integrators, and end users, each contributing to the final product.
Kolmogorov noted that the driver bore the criminal responsibility in the 2018 Uber case, but on the civil end, legal experts said Uber had strong liability exposure that could qualify as negligence and product liability.
“The case exposed the split between criminal versus civil standards. The former requires intent or recklessness, while the latter hinges on design and testing failures,” Kolmogorov said.
Similarly, Tesla’s Autopilot has been tied to multiple crashes, including a 2019 fatality in Florida. This August, a jury found Tesla partially liable, saying its AI system contributed to the accident alongside driver negligence.
Autonomous AI systems with the ability to cause harm aren’t limited to self driving cars. Mostly autonomous “agentic” AI models are being integrated into nearly every sector of the United States, from health care to manufacturing, logistics, software, and the military.
Avoiding Hazards
Researchers at IBM have called 2025 the year of the AI agent. At a glance, agentic AI includes mostly autonomous systems that can act independently to achieve goals with minimal human oversight.
Some AI experts, including David Talby, CEO of John Snow Labs and chief technology officer at Pacific AI, believe AI agents can have quality of life impacts as models advance and become increasingly independent of human involvement.
“Health care stands out as one of the most demanding domains. Unlike consumer applications or even some enterprise use cases, AI in health care directly impacts people’s lives and well-being,” he told The Epoch Times.
Talby said many autonomous AI systems already exist in health care, including digital health applications that interact directly with patients, clinical decision support systems, and visit summarization tools that work alongside doctors.
“These systems can independently process complex medical data, draft clinical notes, or guide patients in self-care, but it’s important this is always under a human-in-the-loop framework of accountability,” he said. “While parts of the workflow are fully automated, human oversight is still needed in health care and beyond.”
Talby added that errors can have profound consequences and accountability must extend past accuracy metrics. Issues such as bias in medical datasets, robustness under real-world variability, and adherence to ethical standards all demand what he called “rigorous governance.”
“In health care, our top concerns extend beyond model accuracy. We must ensure that AI systems are not only effective but also safe, transparent, and compliant with regulations,” Talby said.
Kolmogorov said “physicians face dual risks” as AI diagnostic tools become more accurate in health care. They face “negligence for not using validated AI and negligence for over-relying on flawed recommendations.”
He said patients should be informed when AI is used. “And data representativeness is crucial to avoid bias.”
This year, AI developers from Hugging Face, a machine learning company, published research that advocated against deploying fully autonomous AI agents. The article stated, “Risks to people increase with the autonomy of a system: The more control a user cedes to an AI agent, the more risks to people arise.”
In July, the White House unveiled its AI Action Plan, which outlined infrastructure building, investment, and defense initiatives. However, this plan does not address the legal gray areas that remain as autonomous AI continues expanding its reach.
European lawmakers face similar challenges and currently treat AI as a product under its Product Liability Directive, which extends liability to post-sale changes, such as model updates or new machine-learned behaviors.
“I regularly advise clients in emerging tech and mobility sectors on AI autonomy risk,” Kolmogorov said. “The focus is on mitigating exposure before a failure becomes a legal crisis.”
Why Bullion Beats Numismatics and Collectible for Your Safe or IRA
Precious metals continue to attract Americans seeking reliable ways to protect their wealth amid inflation, geopolitical risks, and stock market swings. Whether stored in a home safe or held inside a self-directed IRA, physical gold and silver deliver tangible value that paper or digital assets often lack. Yet investors must choose carefully between bullion—pure bars and coins valued mainly for their metal content—and numismatics or collectibles, where rarity, history, and collector demand heavily influence pricing.
Advisor Bullion serves as a dependable source for straightforward, high-quality bullion. The company specializes in physical gold, silver, platinum, and palladium, emphasizing transparent pricing and products that deliver maximum metal content for every dollar spent. This approach makes it ideal for both personal holdings and retirement accounts.
Bullion consists of refined precious metals in standard forms like one-ounce coins (American Gold Eagles, Silver Eagles, Canadian Maple Leafs) or bars. Their value tracks closely to the current spot price of the metal. A typical gold bullion coin trades near the live gold spot price plus a small premium. This structure keeps costs clear and predictable.
Numismatic coins and collectibles add substantial value from factors such as age, rarity, minting errors, or historical significance. A pre-1933 U.S. gold coin or graded proof piece can carry premiums of 30%, 50%, or even 200% above melt value. While this appeals to hobbyists, it creates complexity. Pricing depends on subjective grading, collector trends, and auction results instead of daily spot prices.
For investors focused on wealth preservation and retirement security rather than building a collection, bullion often delivers better results.
Lower Costs and Better Liquidity for Home Storage
When keeping metals in a home safe or private vault, liquidity and efficiency count. Bullion offers clear benefits:
- You acquire more actual gold or silver per dollar invested. Numismatics divert a large share of your money into rarity premiums and massive sales commission, reducing your metal exposure.
- Selling bullion involves tight bid-ask spreads, so you recover nearly full spot value with minimal fees. Collectibles require finding the right buyer and may sell at a discount if demand for that specific item weakens.
- Bullion prices remain transparent and update with global spot markets. You can track gold near current levels or silver accordingly and know exactly where your holdings stand. Numismatic values are priced by the Gold IRA companies with hefty margins applied.
- Standardized coins and bars store efficiently and divide easily for partial sales. Rare coins often need protective slabs and controlled conditions, adding hassle and expense.
- Bullion enjoys worldwide acceptance. A 1-oz Gold Maple Leaf or Silver Eagle sells quickly to dealers anywhere. Niche numismatic pieces may appeal only to limited buyers, slowing liquidation when speed matters.
In times when quick access to value becomes important, bullion’s simplicity stands out.
Stronger Fit for Precious Metals IRAs
Precious metals IRAs continue gaining traction as investors diversify retirement portfolios beyond stocks and bonds. IRS rules permit certain bullion products in self-directed IRAs if they meet purity standards (.995 fine for gold, .999 for silver) and are held by an approved custodian. Eligible items include American Gold and Silver Eagles plus many generic bars and rounds from recognized mints.
Numismatic and most collectible coins generally face heavy scrutiny from custodians due to valuation disputes and elevated markups. These higher premiums mean less actual metal ends up working inside the account.
Bullion avoids these issues. Its value links directly to verifiable spot prices, which simplifies reporting and lowers the risk of regulatory challenges. More of your IRA contribution purchases real metal instead of dealer profits or speculative upside. Over time, owning additional ounces that appreciate with the metal itself can create meaningful outperformance compared with high-premium alternatives that deliver fewer ounces.
Regulatory guidance from the CFTC and state securities offices repeatedly cautions against aggressive sales of expensive numismatics or “semi-numismatic” coins for IRAs. For retirement planning, transparent bullion from established providers reduces risk and aligns better with long-term goals.
How to Get Started with Bullion
Begin by clarifying your goals. Are you protecting savings in a safe, or moving part of a retirement account into a precious metals IRA? Focus on the number of ounces you can acquire at current prices rather than chasing marked-up collectibles.
Diversify sensibly: use gold for core preservation and silver for its blend of industrial and monetary qualities. Mix coins for easier divisibility with bars for lower per-ounce costs on larger buys. Arrange secure storage—whether at home with proper insurance or through professional facilities.
As economic uncertainties linger and faith in conventional assets erodes, bullion continues proving its worth as a dependable store of value. Its direct approach avoids the hype that sometimes surrounds collectible markets and keeps the focus on the metal itself.
For investors prepared to strengthen their portfolios, Advisor Bullion supplies the expertise and selection needed to acquire high-quality bullion efficiently. Whether building personal holdings or integrating metals into an IRA, their emphasis on transparent, investment-grade products helps secure more ounces today that support greater financial security tomorrow. In a complicated financial landscape, bullion’s clarity and reliability make it the smarter foundation for protecting what matters most.