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Self Driving Car Insurance

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41–50 of 359 posts

Re: Self Driving Car Insurance

#41
post #27
post #15

What happens if you have FSD turned off and like to drive fast on public roads. Will they see this telemetry and raise your rates?

It seems the answer is yes. From their web site: > Fair prices, based on how you drive [...] Get a discount, and earn a lower premium as you drive better.

Bummer.. its super fun to floor them off the line.

Re: Self Driving Car Insurance

#42

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.

I think there's a narrow unregulated space where this could be true. I'm exercising my creativity trying to imagine it - where automations are built with the outcome of obscured responsibility in mind. And I could understand profit as a possible driving factor for that outcome.

As an extreme end of a spectrum example, there's been worry and debate for decades over automating military capabilities to the point where it becomes "push button to win war". There used to be, and hopefully still is, lots of restraint towards heading in that direction - in recognition of the need for ethics validation in automated judgements. The topic comes up now and then around Tesla's, and impossible decisions that FSD will have to make.

So at a certain point, and it may be right around the point of serious physical harm, the design decision to have or not have human-in-the-middle accountability seems to run into ethical constraints. In reality it's the ruthless bottom line focused corps - that don't seem to be the norm, but may have an outsized impact - that actually push up against ethical constraints. But even then, I would be wary as an executive documenting a decision to disregard potential harms at one of them shops. That line is being tested, but it's still there.

In my actual experience with automations, they've always been derived from laziness / reducing effort for everyone, or "because we can", and sometimes a need to reduce human error.

Re: Self Driving Car Insurance

#43

Earlier quoted context omitted.

So does AEB in any modern car.

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

My 2016 Honda Civic has automatic braking (and it has lanekeep assist, so it's technologically superior to a 2026 Tesla).

Re: Self Driving Car Insurance

#44
post #7

Earlier quoted context omitted.

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.

Yeah, Tesla gets to blame the “driver”, and has a history of releasing partial and carefully curated subsets of data from crashes to try to shift as much blame onto the driver as possible.

And the system is designed to set up drivers for failure.

An HCI challenge with mostly autonomous systems is that operators lose their awareness of the system, and when things go wrong you can easily get worse outcomes than if the system was fully manual with an engaged operator.

This is a well known challenge in the nuclear energy sector and airline industry (Air France 447) - how do you keep operators fully engaged even though they almost never need to intervene, because otherwise they’re likely to be missing critical context and make wrong decisions. These days you could probably argue the same is true of software engineers reviewing LLM code that’s often - but not always - correct.

Re: Self Driving Car Insurance

#45

Earlier quoted context omitted.

So does AEB in any modern car.

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

It does more than AEB. It also knows to swerve out of the way during E: https://www.youtube.com/watch?v=c1MWml-81e0

Re: Self Driving Car Insurance

#46
post #7

Earlier quoted context omitted.

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.

Its neither self-driving, nor autonomous, eventually not even a car! (as Tesla slowly exits the car business). It will be 'insurance' on Speculation as a service, as Tesla skyrockets to $20T market cap. Tesla will successfully transition from a small revenue to pre-revenue company: https://www.youtube.com/watch?v=SYJdKW-UnFQ

The last few years of Tesla 'growth' show how this transition is unfolding. S and X production is shutdown, just a few more models to shutdown.

Re: Self Driving Car Insurance

#47
post #35

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 that's the law of the land currently. The product you buy is called "FSD Supervised". It clearly states you're liable and must supervise the system. I don't think there's law that would allow Tesla (or anyone else) to sell a passenger car with unsupervised system. If you take Waymo or Tesla Robotaxi in Austin, you are not liable for accidents, Google or Tesla is. That's because they operate on limited state l…

I see. So not Tesla's product they are using to sell insurance around isn't "Full Self-Driving" or "Autonomous" like the page says.

Re: Self Driving Car Insurance

#48
post #36

Earlier quoted context omitted.

> mass human displacement campaign (a.k.a. Genocide) genocide /jĕn′ə-sīd″/ noun The systematic and widespread extermination or attempted extermination of a national, racial, religious, or ethnic group. The systematic killing of a racial or cultural group.

Great, I’m glad your dictionary is happy about deporting 5 year olds. “Uhm aktually it’s not a genocide it’s just a fascist police state” Multiple humanitarian organizations define mass displacement as genocide and/or ethnic cleansing. The holocaust literally started with mass deportations/detentions. Then the nazis figured out that it was easier to kill detainees.

If you have some point to make about deporting 5 years olds or whatever, don't you think it would be more persuasive without provoking a tangential discussion about your idiosyncratic definition of genocide regardless of whatever organizations agree with you?

Re: Self Driving Car Insurance

#49
post #35

Earlier quoted context omitted.

Because that's the law of the land currently. The product you buy is called "FSD Supervised". It clearly states you're liable and must supervise the system. I don't think there's law that would allow Tesla (or anyone else) to sell a passenger car with unsupervised system. If you take Waymo or Tesla Robotaxi in Austin, you are not liable for accidents, Google or Tesla is. That's because they operate on limited state l…

I see. So not Tesla's product they are using to sell insurance around isn't "Full Self-Driving" or "Autonomous" like the page says.

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.

Re: Self Driving Car Insurance

#50

Earlier quoted context omitted.

I see. So not Tesla's product they are using to sell insurance around isn't "Full Self-Driving" or "Autonomous" like the page says.

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.

Yet still on relying you to cover it with your insurance. Again, clearly not autonomous.
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