Self Driving Car Insurance

Post by bluGill » Fri, Jan 30, 2026, 9:28 PM UTC

jtbayly wrote: post #89

bluGill wrote: post #77

Earlier quoted context omitted.

For the vast majority of people who own a car, continuing to own the car will remain the better deal. Most people need their car during "rush hour", so there isn't any savings from sharing, and worse some people have "high standards" and so will demand the rental be a clean car nicer than you would accept - thus raising the costs (particularly if you drive used cars) Any remaining argument for a shared car dies when…

> sometimes they don't have one when you arrive. Or, if they are Hertz, they might have one but refuse to give it to you. This happened to my wife. In spite of payment already being made to Hertz corporate online, the local agent wouldn't give up a car for a one-way rental. Hertz corporate was less than useless, telling us their system said was a car available, and suggesting we pay them hundreds of dollars again and…

Post by t1234s » Fri, Jan 30, 2026, 9:29 PM UTC

giobox wrote: post #54

t1234s wrote: post #41

Earlier quoted context omitted.

Bummer.. its super fun to floor them off the line.

This (instant torque) is exciting for about the first week of electric car ownership, it gets old very fast. I have far more fun driving my much slower gas-engined cars.

Post by vel0city » Fri, Jan 30, 2026, 9:30 PM UTC

rebelde wrote: post #39

99/month is more than I have been willing to pay for FSD, but if it lowers my insurance by 200/month, I could be convinced.

Post by Veserv » Fri, Jan 30, 2026, 9:36 PM UTC

1970-01-01 wrote: post #112

Veserv wrote: post #98

Earlier quoted context omitted.

No it does not. A 50% discount and the insurance still having industry average profit, or at least being profitable at all, would tell you that. Selling at a loss does not indicate your costs are actually lower. You need to wait until we learn if it is actually at a loss.

Sir, your bias is extreme. https://news.ycombinator.com/submitted?id=Veserv

Post by Night_Thastus » Fri, Jan 30, 2026, 9:41 PM UTC

loeg wrote: post #111

jasoncartwright wrote: post #5

If it autonomous or self-driving then why is the person in the car paying for the insurance? Surely if it's Tesla making the decisions, they need the insurance?

It isn't fully autonomous yet. For any future system sold as level 5 (or level 4?), I agree with your contention -- the manufacturer of the level 5 autonomous system is the one who bears primary liability and therefore should insure. "FSD" isn't even level 3. (Though, there is still an element of owner/operator maintenance for level 4/5 vehicles -- e.g., if the owner fails to replace tires below 4/32", continues to o…