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Self Driving Car Insurance

lemonade.com

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Re: Self Driving Car Insurance

#191

Post by JumpCrisscross »

FeloniousHam wrote: post #49
jasoncartwright wrote: post #47

Earlier quoted context omitted.

I see. So not Tesla's product they are using to sell insurance around isn't "Full Self-Driving" or "Autonomous" like the page says.

My current FSD usage is 90% over ~2000 miles (since v14.x). Besides driving everywhere, everyday with FSD, I have driven 4 hours garage to hotel valet without intervention. It is absolutely "Full Self-Driving" and "Autonomous". FSD isn't perfect, but it is everyday amazing and useful.

> My current FSD usage is 90% over ~2000 miles

I'd guess my Subaru's lane-keeping utilisation is in the same ballpark. (By miles, not minutes. And yes, I'm safer when it and I are watching the road than when I'm watching the road alone.)

Re: Self Driving Car Insurance

#192

Post by freedomben »

bradleyjg wrote: post #189
IshKebab wrote: post #185

Earlier quoted context omitted.

$240 per month ? That's literally eight times what I pay in the UK. Ok I don't have a fancy electric car but still... what.

We have contingency fee personal injury lawyers and you have loser pays. Your system works better.

Yep, also people who will spend thousands of dollars to get a tiny scratch repaired because for some reaosn in the US everyone expects cars to be utterly perfect.

Re: Self Driving Car Insurance

#193

Post by philip1209 »

IshKebab wrote: post #185
philip1209 wrote: post #168

I was curious what the break-even is where the insurance discount covers the $99/mo FSD subscription. I got a Lemonade quote around $240/mo (12k mi/yr lease on a Model 3), so 50% off would save ~$120/mo - i.e. it would cover FSD and still leave ~$21/mo net. Or, "free FSD is you use it". I believe, at the end of the day, insurance companies will be the ones driving FSD adoption. The media will sensationalize the outli…

$240 per month ? That's literally eight times what I pay in the UK. Ok I don't have a fancy electric car but still... what.

I don't have a car so I don't know what is normal. i just went through the lemonade quote process. (I have a license and my record is clean, though - so there shouldn't be any high-risk flags.)

Re: Self Driving Car Insurance

#194

Post by JumpCrisscross »

direwolf20 wrote: post #38
dangus wrote: post #29

Earlier quoted context omitted.

[flagged]

Money is apolitical. Politics is not allowed on HN.

> Politics is not allowed on HN

Nothing in the guidelines says this. What it does require is "thoughtful and substantive" comments, particularly "as a topic gets more divisive."

Re: Self Driving Car Insurance

#195

Post by madsmith »

JumpCrisscross wrote: post #177
microtherion wrote: post #170

I'm quite skeptical of Tesla's reliability claims. But for exactly that reason, I welcome a company like Lemonade betting actual money on those claims. Either way, this is bound to generate some visibility into the actual accident rates.

> quite skeptical of Tesla's reliability claims I'm sceptical of Robotaxi/Cybercab. I'm less sceptical that FSD, supervised, is safer than fully-manual control.

Having handed over control of my vehicles to FSD many times, I’ve yet to come away from the experience feeling that my vehicle was operating in a safer regime for the general public than within my own control.

Re: Self Driving Car Insurance

#196

Post by Rover222 »

madsmith wrote: post #195
JumpCrisscross wrote: post #177

Earlier quoted context omitted.

> quite skeptical of Tesla's reliability claims I'm sceptical of Robotaxi/Cybercab. I'm less sceptical that FSD, supervised, is safer than fully-manual control.

Having handed over control of my vehicles to FSD many times, I’ve yet to come away from the experience feeling that my vehicle was operating in a safer regime for the general public than within my own control.

I think you greatly overestimate humans

Re: Self Driving Car Insurance

#197

Post by nine_k »

koakuma-chan wrote: post #158
nine_k wrote: post #84

Earlier quoted context omitted.

Also, a real nightmare for the municipal trade unions. (Do you know why every NYC subway train needs to have not one but two operators, even though it could run automatically just fine?)

Why?

Because the Transport Workers Union fought tooth and nail for it. Laying off hundreds of operators would be a politically very dangerous move.

Re: Self Driving Car Insurance

#198

Post by einpoklum »

gizmo686 wrote: post #74
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?

Generally speaking, liability for a thing falls on the owner/operator. That person can sue the manufacturer to recover the damages if they want. At some point, I expect it to become somewhat routine for insurures to pay out, then sue the manufacturer to recover.

Ah, but could one not argue that the owner of the self-driving car is _not_ the operator, and it is the car, or perhaps Tesla, which operates it?

Re: Self Driving Car Insurance

#200

Post by forgetfreeman »

JumpCrisscross wrote: post #182
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?

> Surely if it's Tesla making the decisions, they need the insurance? Why surely? Turning on cruise control doesn't absolve motorists of their insurance requirement. And the premise is false. While Tesla does "not maintain as much insurance coverage as many other companies do," there are "policies that [they] do have" [1]. (What it insures is a separate question.) [1] https://www.sec.gov/ix?doc=/Archives/edgar/data/0…

Cruise control is hardly relevant to a discussion of liability for autonomous vehicle operation.
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