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Self Driving Car Insurance

lemonade.com

11–20 of 359 posts

Re: Self Driving Car Insurance

#11
post #6

I own a Model Y with hardware version 4. FSD prevented my from getting in an accident with a drunk driver. It reacted much faster to the situation than I could have. Ever since, I’m sold that in a lot of circumstances, machines can drive better than humans.

So does AEB in any modern car.

Re: Self Driving Car Insurance

#12
post #7

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?

Because the operator is liable? Tesla as a company isn't driving the car, it's a ML model running on something like HW4 on bare metal in the car itself. Would that make the silicon die legally liable?

Who’s the “operator” of an “autonomous” car? If I sit in it and it drives me around, how am I an “operator”?

Re: Self Driving Car Insurance

#13
post #7

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?

Because the operator is liable? Tesla as a company isn't driving the car, it's a ML model running on something like HW4 on bare metal in the car itself. Would that make the silicon die legally liable?

Sounds like it's neither self-driving, nor autonomous, if I'm on the hook if it goes wrong.

Re: Self Driving Car Insurance

#17

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’s because you bought it. Don’t buy it if you don’t want to insure.

Yep, you bought it, you own it, you choose to operate it on the public roads. Therefore your liability.

Re: Self Driving Car Insurance

#19
post #3

One's first thought is that they ought to be running away from underwriting this as fast as they can go. But then one realizes that it is all profit -- they need never pay a claim, because in accidents involving autonomous vehicles, it will never be possible to establish fault; and then one sees that the primary purpose of most automations is to obscure responsibility.

You're not making any sense. In terms of civil liability, fault is attached to the vehicle regardless of what autonomous systems might have been in use at the time of a collision.

Or even who was driving it, in the case of ordinary cars.

Re: Self Driving Car Insurance

#20
post #6

I own a Model Y with hardware version 4. FSD prevented my from getting in an accident with a drunk driver. It reacted much faster to the situation than I could have. Ever since, I’m sold that in a lot of circumstances, machines can drive better than humans.

So does AEB in any modern car.

Tesla fans have not realized that every car made since 2021ish can do this.
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