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Self Driving Car Insurance

lemonade.com

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Re: Self Driving Car Insurance

#211

Post by theodric »

mavhc wrote: post #209
seanmcdirmid wrote: post #204

Earlier quoted context omitted.

I think there is an even bigger insurance problem to worry about: if autonomous vehicles become common and are a lot safer than manual driven vehicles, insurance rates for human driven cars could wind up exploding as the risk pool becomes much smaller and statistically riskier. We could go from paying $200/month to $2000/month if robo taxis start dominating cities.

The fact you think $200 per month is sane is amusing to people in other countries

Hell, I was paying €180/yr for my New Beetle a decade ago...

Re: Self Driving Car Insurance

#212

Post by mavhc »

ErroneousBosh wrote: post #175
qwerpy wrote: post #160

Earlier quoted context omitted.

Successful enough for me and many other people I know. End to end from my house to grocery store, kids schools, friends houses, etc. Multiple times per day for the past year. It’s not perfect but I’d consider it a smashing success for something I rely on for safely transporting my family every day.

I wouldn't feel safe in one. I've seen how they drive, and I've had a brief shot of a car with FSD. They are not safe and they will never be safe.

If they're not safe then why does the data show they're safer than humans?

Why will they never be safe?

Also can you define safe?

Re: Self Driving Car Insurance

#214

Post by ihaveajob »

Rover222 wrote: post #196
madsmith wrote: post #195

Earlier quoted context omitted.

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

The problem IMO is the transition period. A mostly safe system will make the driver feel at ease, but when an emergency occurs and the driver must take over, it's likely that they won't be paying full attention.

Re: Self Driving Car Insurance

#215

Post by culopatin »

ajcp wrote: post #116
kittikitti wrote: post #82

I have Lemonade for my home insurance. It's been reliable for several years and the customer service is great. I don't have a self-driving car but I wouldn't hesitate to sign up. Their rates are very affordable.

I've had their Home Insurance since they started up and grabbed their car insurance a couple years ago. Competitive price, excellent customer service, no notes.

Have you cashed a claim from them?

Re: Self Driving Car Insurance

#216

Post by gwern »

1970-01-01 wrote: post #10

A 50% discount is pretty damning empirical evidence for FSD being better at driving your Tesla than you are.

A discount they get to set on a subset of miles of their choice may just be a marketing expense for an insurance startup which makes losses and relies on VC capital and needs growth: https://en.wikipedia.org/wiki/Lemonade,_Inc.#2015%E2%80%9320... I was impressed by this until I looked Lemonade up.

Re: Self Driving Car Insurance

#217

Post by AnthonyMouse »

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?

> 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?

Suppose ACME Corporation produces millions of self-driving cars and then goes out of business because the CEO was embezzling. They no longer exist. But the cars do. They work fine. Who insures them? The person who wants to keep operating them.

Which is the same as it is now. It's your car so you pay to insure it.

I mean think about it. If you buy an autonomous car, would the manufacturer have to keep paying to insure it forever as long as you can keep it on the road? The only real options for making the manufacturer carry the insurance are that the answer is no and then they turn off your car after e.g. 10 years, which is quite objectionable, or that the answer is "yes" but then you have to pay a "subscription fee" to the manufacturer which is really the insurance premium, which is also quite objectionable because then you're then locked into the OEM instead of having a competitive insurance market.

Re: Self Driving Car Insurance

#218

Post by wavesquid »

mavhc wrote: post #209
seanmcdirmid wrote: post #204

Earlier quoted context omitted.

I think there is an even bigger insurance problem to worry about: if autonomous vehicles become common and are a lot safer than manual driven vehicles, insurance rates for human driven cars could wind up exploding as the risk pool becomes much smaller and statistically riskier. We could go from paying $200/month to $2000/month if robo taxis start dominating cities.

The fact you think $200 per month is sane is amusing to people in other countries

Is that low or high?

Re: Self Driving Car Insurance

#219

Post by amanaplanacanal »

kjksf wrote: post #132
arijun wrote: post #102

Earlier quoted context omitted.

Never say never—it’s not physically impossible. But yes, as it stands, it seems that Tesla will not be self driving any time soon (if ever).

They literally just (in the last few days) started unsupervised robotaxis in Austin. They are as self-driving as a car can be. This is different than the one where they had a human supervisor in passenger seat (which they still do elsewhere). And different than the one where they didn't have human supervisor but did have a follow car. Now they have a few robotaxis that are self driving.

Have you actually ridden in one? It's unclear whether this is a real thing or not.

Re: Self Driving Car Insurance

#220

Post by [deleted] »

Rover222 wrote: post #196
madsmith wrote: post #195

Earlier quoted context omitted.

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

[deleted]
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