If either of those concerns seem far-fetched to you, they're not. The video below shows what can happen when a drone suffers a malfunction and becomes impossible to steer correctly. In this case, what was supposed to be a short flight to examine a nearby rooftop turned into an out-of-control crash through the window of a nearby law office that resulted in one of its occupants sustaining an injury bad enough to require several stitches. The associated costs with that particular crash will not be cheap for the drone's operator.  

The biggest concern, however, was the use of drones as flying cameras, which is really how most civilians intend to use them. There is something very cool and very useful about being able to put a robust video camera high in the sky. But that also means creeps can look at people, places and things they should not be looking at. The Chubb survey noted that 78% of people thought drones could turn America into a surveillance state, and that drones might capture photos of family members (60%), or be used to hack into wireless networks (50%). More than a third of people (34%) feared droned could be used to steal their possessions.

The video below speaks to the Peeping Tom risk. Here, a pilot flew his drone over a beach in Oahu, Hawaii, and judging from the video, it looks like he was just trying to get some video of the surfline. However, he overflew one man who was sunbathing in the nude, and when the drone overflew the guy a second time, the irate sunbather hurled both of his sandals at the drone, nearly knocking it out of the sky. As you'll see, the sunbather hectors the pilot over an invasion of privacy, only to learn that surprise! Nude sunbathing is illegal in Oahu.