[sigmoid10]

I've actually started ignoring all these reports. There is so much bad faith going on in self-driving tech on all sides, it is nearly impossible to come up with clean and controlled data, much less objective opinions. At this point the only thing I'd be willing to base an opinion on is if insurers ask for higher (or lower) rates for self-driving. Because then I can be sure they have the data and did the math right to maximise their profits.

[jraby3]

The biggest indicator for me that this headline isn't accurate is that Lemonade insurance just reduced the rate for Tesla FSD by 50%. They probably have accurate data and decided that Tesla's are significantly safer than human drivers.

[gamblor956]

But that's not what happened...

Lemonade announced an entirely new product for FSD driving, which it says should cut rates for FSD vehicles And importantly, FSD driving is no longer covered by the regular policy, so FSD drivers now need two separate insurance policies if using Lemonade: the regular insurance policy, and another one just for when using FSD.

The actual combined cost of the two insurance policies is more than the previous policy was because they didn't reduce rates for the normal insurance policies.

[jraby3]

Yes but they charge per mile, so the net change in price should be a substantial reduction.

[gamblor956]

Unless Tesla drivers were already paying obscene rates for car insurance, the per mile-based charge will still be as much as most people with ICE vehicles pay for their insurance coverage...and for Tesla owners this will still be an additional insurance cost on top of their original car insurance cost.

Also, important to note: Lemonade isn't actually available in the states with the largest population of Tesla owners, like California. So...basically this is a big nothingburger.

[waffletower]

There will be stronger evidence if more auto insurance companies follow suit.

[4d4m]

Thank you. Everyone is hiding disengagement and settling to hide accidents. This will not be fixed or standardized without changes to the laws, which for self driving have been largely written by the handful of companies in the space. Total, complete regulatory capture.