Comment by enragedcacti

> They are putting their money behind their words, unless there is some backroom deal we don't know about.

Their product is dynamically priced and individualized, and there is no guarantee of what the base rate will be. I don't see any reason they can't keep offering the 50% discount and then adjust the base rates to reverse engineer a sustainable price regardless of FSDs real safety.

> Considering how human operators behave with these systems, I'd also wager having the human operator (many don't even look at the road!) makes only a small difference.

Lemonade will likely be getting driver monitoring telemetry and calculating rates accordingly, but in either case I'm convinced that we are still on the left hand side of the Valley of Degraded Supervision [0]. Operators may not pay full attention at all times but they likely still have pretty good heuristics for what situations are difficult for FSD and adjust their monitoring behavior accordingly.

Tesla could of course release detailed crash and disengagement data to prove FSD safety. That they do not is itself a form of evidence, and in lieu of that we have to rely on crowdsourced data which says FSD 14.x still has a very long way to go to be safer than the average driver [1].

[0] https://www.eetimes.com/disengagements-wrong-metric-for-av-t...

[1] https://teslafsdtracker.com/Main