Self Driving Car Insurance

Post by horns4lyfe » Sat, Jan 31, 2026, 5:00 PM UTC

parpfish wrote: post #265

panopticon wrote: post #226

Earlier quoted context omitted.

Where I live isn't particularly challenging to drive (rural Washington), but I'm constantly disengaging FSD for doing silly and dangerous things. Most notably my driveway meets the road at a blind y intersection, and my Model 3 just blasts out into the road even though you cannot see cross traffic. FSD stresses me out. It's like I'm monitoring a teenager with their learners permit. I can probably count the number tri…

> I'm constantly disengaging FSD for doing silly and dangerous things. You meant “I disable FSD because it does silly things” I read “I disable FSD so I can do silly things”

Post by [deleted] » Sat, Jan 31, 2026, 5:48 PM UTC

dragonwriter wrote: post #309

pfannkuchen wrote: post #287

Earlier quoted context omitted.

Do your kids randomly run into the road? I was worried about that but then mine just don’t run into the road for some reason, they are quite careful about it seemingly by default after having “getting bumped into by a car” explained to them. I’m not sure if this is something people are just paranoid about because the consequences are so bad or if some kids really do just run out into the road randomly.

Some kids really do just run into the road seemingly randomly. Other kids run in with a clear purpose, not at all randomly, and sometimes (perhaps very rarely, but it only takes once and bad luck) forget to look both ways. Kids are not cookie cutter copies that all behave the same way in the same circumstances (even with the same training).

Post by cucumber3732842 » Sat, Jan 31, 2026, 6:37 PM UTC

DaedalusII wrote: post #279

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.

The insurance industry is a commercial prediction market. It is often an indicator of true honesty, providing there is no government intervention. Governments intervene in insurance/risk markets when they do not like the truth. I tried to arrange insurance for an obese western expatriate several years ago in an Asian country, and the (western) insurance company wrote a letter back saying the client was morbidly obese…

Post by fragmede » Sat, Jan 31, 2026, 6:51 PM UTC

paulryanrogers wrote: post #273

wrsh07 wrote: post #256

Earlier quoted context omitted.

I think this might be right, but it does two interesting things: 1) it let's lemonade reward you for taking safer driving routes (or living in a safer area to drive, whatever that means) 2) it (for better or worse) encourages drivers to use it more. This will improve Tesla's training data but also might negatively impact the fsd safety record (an interesting experiment!)

> ...but also might negatively impact the fsd safety record (an interesting experiment!) As a father of kids in a neighborhood with a lot of Teslas, how do I opt out of this experiment?

Post by fragmede » Sat, Jan 31, 2026, 6:54 PM UTC

izacus wrote: post #295

Retric wrote: post #224

Earlier quoted context omitted.

We aren’t talking about the average human here. On average you include sleep deprived people, driving way over the speed limit, at night, in bad weather, while drunk, and talking to someone. FSD is very likely situationally useful. But you can know most of those adverse conditions don’t apply when you engage FSD on a given trip. As such the standard needs to be extremely high to avoid increased risks when you’re sobe…

> On average you include sleep deprived people, driving way over the speed limit, at night, in bad weather, while drunk, and talking to someone. FSD is very likely situationally useful. Are those people also able to suprevise FSD like the law and Tesla expects them to? That's also a question.