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Self Driving Car Insurance

lemonade.com

351–359 of 359 posts

Re: Self Driving Car Insurance

#351
post #178

Earlier quoted context omitted.

For some this is the case. For others, this is not the case.

some -> most ?

In west/east coast cities maybe.

Talk to anyone from the midwest about not owning a car and they'll laugh you out of the room.

Well, unless it's because youre proposing they switch to ATV's and Snowmobiles, in which case there some people can technically get by without a traditional automobile.

Re: Self Driving Car Insurance

#352

Earlier quoted context omitted.

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.

google what F stands for in FSD

Re: Self Driving Car Insurance

#353

Earlier quoted context omitted.

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.

If I ever marry Oprah I’ll be a rich man :)

Re: Self Driving Car Insurance

#354

Earlier quoted context omitted.

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…

> providing there is no government intervention. You mean like forcing people to buy it ad then shaping what product can ad cant be offered with a spiderweb of complex rules?

The clearest example is the state of California preventing insurance companies from increasing annual premium when risks increase. Please understand I have no political opinion about this. As a result, a lot of insurers have completely withdrawn and now its not possible to insure houses properly for many people.

https://www.theguardian.com/us-news/2023/may/27/state-farm-h...

With no government intervention, the price of all fire insurance in California would increase materially to reflect the genuine risk of wildfire damage.

Re: Self Driving Car Insurance

#355

Earlier quoted context omitted.

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.)

I don't want minimize the efforts of other manufacturers (I'm sure they'll all have Tesla's features in the next generation), but: my wife has a Subaru Outback, and the two systems are as close in functionality as humans are to chimpanzees. The differences are many, stark and subtle (that Subaru screen), I'd just say take a test drive with FSD.

Re: Self Driving Car Insurance

#356

Earlier quoted context omitted.

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.

If it was full self driving, wouldn't your usage be 100%?

> It's not perfect,

Probably about 90% perfect! Obviously we don't agree on the definition.

Re: Self Driving Car Insurance

#357
> Lemonade Autonomous Car insurance is the first car insurance designed specifically for self-driving cars.

With their claims of it being the first one available designed for self-driving and driverless cars, I wonder how it differs to other options that have been available (albeit not in the US) for 10+ years.

https://www.adrianflux.co.uk/driverless-cars/driverless-car-...

Re: Self Driving Car Insurance

#358

Earlier quoted context omitted.

No, Tesla doesn’t assign you liability by making you sign something. The law makes the driver of a vehicle liable for the operation, as it always has. My first sentence was to say that even if the law treats autonomous vehicles differently, Tesla doesn’t sell one.

> The law makes the driver of a vehicle liable for the operation, as it always has. So, either those Tesla's don't really self-drive (which may be the case, I don't know, but then the whole discussion is moot), or they do, in which case, the human wasn't the one driving and may thus avoid liability. Then of course there is the possibility that the court might be convinced the car was being drive collaboratively by th…

> either those Tesla's don't really self-drive

All Teslas are level 2 ADAS and require the human behind the the wheel to monitor the vehicle and intervene when necessary.

> or they do, in which case, the human wasn't the one driving and may thus avoid liability.

That is not legally true. Automation does not absolve someone from liability. Owners of a piece of machinery have liability just by being the owner and placing it into operation.

Forget about cars for a second -- we already have many products that are entirely automated already, for example: an elevator. If you own a building with an elevator, and it hurts someone, the building owner is absolutely going to be sued over it, and "oh, it's automated" isn't a get-out-of-court free card.

There are still responsibilities that the owner has: did they properly maintain it? were they aware of an issue but decided to operate it anyway? were they in a position to intervene and avoid the accident, but failed to do so?

Re: Self Driving Car Insurance

#359

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).

> Some kids really do just run into the road seemingly randomly. ... sometimes (perhaps very rarely, but it only takes once and bad luck) forget to look both ways.

Just this week I was telling my law school contract-drafting class that part of our job as lawyers and drafters is to try to to "child-proof" our contracts, because sometimes clients' staff understandably don't fully appreciate the possible consequences of 'running into the street,' no matter how good an idea it might seem at the time.

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