5 ms·
The Tesla Safety Report is so misleading: 1. The accident rate does not take into account of drivers age, credit score and prior safety record, or the age / va
by nnm 5y ago
The Tesla Safety Report is so misleading:
1. The accident rate does not take into account of drivers age, credit score and prior safety record, or the age / value of the car.
2. Most people only turn on autopilot when driving is easy (e.g. on a highway).
- hurflmurfl 5y agoSorry, a non-American here. By "credit score" are you referring to the financial credit score or some sort of "points system" for drivers? If the former, then why would it be important to include it?
- igorstellar 5y agoIn some states auto insurance companies are using credit score because there is correlation between insurance claims and credit score [1]. I guess you can establish "crash-free" and insurance claim correlation even more easier. [1] https://www.forbes.com/advisor/car-insurance/auto-insurance-score/ https://www.forbes.com/advisor/car-insurance/auto-insurance-...
- IncRnd 5y agoNot some states but 94% of the states, according to your link.
- oses 5y agoLooks like that article may be out of date, according to experian [1] 4 states completely disallow using credit scores to set auto insurance rates, and 3 more restrict it. However, this is still significantly more than "some states" [1] https://www.experian.com/blogs/ask-experian/which-states-prohibit-or-restrict-the-use-of-credit-based-insurance-scores/ https://www.experian.com/blogs/ask-experian/which-states-pro...
- skissane 5y agoCredit score is correlated with personality traits such as conscientiousness, risk-taking, etc, which in turn influence driving safety
- stirlo 5y agoWhile this may be true I always assumed the strongest reason for including this in insurance quotations was the lower risk of fraudulent claims from those with stronger finances.
- deleted 5y ago[deleted]
- klmadfejno 5y agoDoes any car company give a detailed normalized report like you're asking for in 1? edit: by which I mean, if tesla autopilot gets into more accidents than rich white yuppies but less than the national average, it's not entirely obvious to me is the conclusion is rich white yuppies shouldn't use autopilot or that autopilot isn't safe enough. It also suggests its very useful for poor minorities. Location and local driving conditions are the only real differentiator where this might make a difference on decision making. Those are going to be correlated with the demographics of the person driving them, but are weak proxies at best.
- TheSpiceIsLife 5y agoCar company? Probably not, but they'd be the wrong organisations to ask. Insurance companies certainly would know a lot more detail.
- toast0 5y agoDo any other car companies run a comprehensive surveilance system on all of their vehicles?
- klmadfejno 5y agoI'm not a car expert, but I think yes, its pretty common in newer cars.
- AlotOfReading 5y agoYes. OnStar is the most well known, but most of the other major automakers have similar capabilities in at least part of their range.