There's a fair chance they're self-insured unless that's somehow illegal in Nevada or California. Mercedes can afford whatever the sort of minimums are likely t

There's a fair chance they're self-insured unless that's somehow illegal in Nevada or California. Mercedes can afford whatever the sort of minimums are likely to be, because they're a large car company, not an individual. Self-insurance is almost invariably cheaper if it's an option. I guess an insurer might give you a very attractive rate to get some exposure/ experience in an emerging market, but probably not.