Comment by whateveracct
11 hours ago
why wouldn't the FSD company itself integrate into insurance? they have the error rate data which is king for insurance. seems like free real estate.
11 hours ago
why wouldn't the FSD company itself integrate into insurance? they have the error rate data which is king for insurance. seems like free real estate.
I think that's a smart point and seems likely to be attempted.
It presents interesting questions, though. Right now, insurance companies are incentivized to fight for their customer in court against the other driver because they don't want to pay out.
But if the FSD provider is also the insurer, they aren't a neutral party if the dispute is between whether FSD is to blame or if the driver is to blame. It could become adversarial, let's say if the data in the car shows the driver wasn't looking at the road at the moment of the crash and therefore wasn't ready to take over for self-driving.
There might be ways around this, but it's a challenge to overcome. I'd want my insurance company to protect me against my FSD provider, too.
(My point is complicated by the fact that liability coverage is separate, admittedly. My insurer might not want to pay out if I was driving drunk, for example.)