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I’ve heard that the presence of Autopilot is actually viewed negatively by insurers. This goes against intuition-wouldn’t a machine that behaves very reliably
by sircastor 5y ago
I’ve heard that the presence of Autopilot is actually viewed negatively by insurers.
This goes against intuition-wouldn’t a machine that behaves very reliably be better than a human driver - but my dad used to say that the insurance company’s calculation was only ever about how likely they thought they could win if they sued the other party. I don’t know if that’s true, but something rings true about it.
- inopinatus 5y agoFrom an actuarial perspective, all forms of driver assistance contain the potential for moral hazard.
- brianwawok 5y agoMy insurance rates are the "same" as a similarly priced Audi or such. As Teslas are safer over time, one would expect rates to gradually go down. Some repairs are a bit more expensive, so could be a bit of a balancing act.
- cookiengineer 5y ago> As Teslas are safer over time, one would expect rates to gradually go down. In Germany it's currently the opposite due to the overly high amount of Teslas that are declared as total damage because the auditors that work for insurers usually don't know that their frames can be partially replaced. Additionally there's no availability to repair a Tesla in practice at that point, but the given software lockout policy of Tesla is a different story.