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Self Driving Car Insurance

lemonade.com

341–350 of 359 posts

Re: Self Driving Car Insurance

#341
post #280

Earlier quoted context omitted.

Its only to differentiate it from their "Unsupervised FSD" which is what they call it now.

That is redundant and doesn't make the other any less contradictory

I agree but I think context is important here. It was called FSD, but they got into trouble, now its "Supervised" so people know its not, well, unsupervised FSD. Yes, I know it doesn't make sense.

Re: Self Driving Car Insurance

#342

Earlier quoted context omitted.

FSD is way beyond AutoPilot (the free Traffic Aware Cruise Control + Lane Keep). Autopilot uses an entirely different, hand coded system from several years ago, which they haven't updated at all. FSD is a Deep Learning neutral network based system.

Apologies for my novice question, does deep learning neural network give rise to hallucinated brakes and accelerations?

I haven't noticed inappropriate acceleration (i.e.: driving at something too fast), but "phantom braking" is real. I'm not sure "hallucinated" is the right term for it, since it's not an LLM, but it definitely can get tricked by shadows or bridges in certain circumstances and start slowing down.

Re: Self Driving Car Insurance

#343

Earlier quoted context omitted.

but tesla is the operator

Aside from the human in the vehicle holding the steering wheel with a foot on the pedal, that is.

That’s today. If Tesla ever becomes fully autonomous, you won’t need that.

Re: Self Driving Car Insurance

#344

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…

I like your thesis, but what about this: all this self driving debate is nonsense if you require Tesla to pay all damages plus additional damages, "because you were hit by a robot!". That should make sure Tesla improves the system, and that it operates above human safety levels. Then one can forget about legislation and Tesla can do its job.

So to circle back to your thesis: when the car is operating autonomously, the manufacturer is responsible. If it goes broke then what? Then the owner will need to insure the car privately. So Tesla insurance might have to continue to operate (and be profitable).

The question this raises is if Tesla should sell any self-driving cars at all, or instead it should just drive them itself.

Re: Self Driving Car Insurance

#345

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.

Kids will randomly run into the road. They might run behind a ball or a dog so that it doesn’t end up on the other side or runned over or are simply too excited to remember your stern road safety talk. The first thing I was taught when I picked up a car was: if you see a ball on the road you stop immediately. This valuable lesson has saved one kid (and my sanity) with me on the wheel.

This guy couldn't follow that rule https://www.youtube.com/watch?v=7E_FtC1BLH0

Re: Self Driving Car Insurance

#346

Earlier quoted context omitted.

> 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…

I like your thesis, but what about this: all this self driving debate is nonsense if you require Tesla to pay all damages plus additional damages, "because you were hit by a robot!". That should make sure Tesla improves the system, and that it operates above human safety levels. Then one can forget about legislation and Tesla can do its job. So to circle back to your thesis: when the car is operating autonomously, th…

> That should make sure Tesla improves the system, and that it operates above human safety levels.

There are two problems with this.

The first is that insurance covers things that weren't really anyone's fault, or that it's not clear whose fault it was. For example, the most direct and preventable cause of many car crashes is poorly designed intersections, but then the city exempts itself from liability and people still expect someone to pay so it falls to insurance. There isn't really much the OEM can do about the poorly designed intersection or the improperly banked curve or snowy roads etc.

The second is that you would then need to front-load a vehicle-lifetime's worth of car insurance into the purchase price of the car, which significantly raises the cost to the consumer over paying as you go because of the time value of money. It also compounds the cost of insurance, because if the price of the car includes the cost of insurance and then the car gets totaled, the insurance would have to pay out the now-higher cost of the car.

> The question this raises is if Tesla should sell any self-driving cars at all, or instead it should just drive them itself.

This is precisely the argument for not doing it that way. Why should we want the destruction of ownership in lieu of pushing everyone to a subscription service? What happens to poor people who could have had a used car but now all the older cars go to the crusher because it allows the OEMs to sustain artificial scarcity for the service?

Re: Self Driving Car Insurance

#347

Earlier quoted context omitted.

> 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”

Exactly. Every bad situation I’ve been in with FSD was when I misread the situation and disengaged it during a maneuver that it was handling safely

It feels unlikely that blindly entering cross traffic, as described in the previous post, is going to be a safe maneuver, though.

Re: Self Driving Car Insurance

#348

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.

Keeping a 1-2 car's length stopping distance is likely over a 50% reduction in at fault damages.

You can get this with just a fairly dumb radar cruise control system, though.

Re: Self Driving Car Insurance

#349

Earlier quoted context omitted.

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

I don't think Tesla lets you buy FSD

If they don’t let you buy, you don’t own. If you don’t own, how is that insurance even available to you?

Re: Self Driving Car Insurance

#350
post #116

Earlier quoted context omitted.

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?

Yup! Two or three times at this point, and haven't had an issue.

When I've filed they just process it straight through, and then one of their actual reps emails within x hours to just check in, give an update or clarifications, etc, but that's it really.

IIRC their whole approach to competitive pricing is doing away with manual claims investigations below a certain threshold, so this tracks.

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