Lemonade Insurance makes Tesla offer to insure FSD miles for "almost free"

[2000prerunner]

For autopilot (not FSD) the car will actually disengage autopilot moments before it predicts a collision (if it anticipates one) This has happened twice with my model three performance hw3. Both times it was a very large plastic trash bag which it perceived as a giant obstacle that popped up in the middle of the road. Obviously I’m not gonna violently swerve or brake for a frail piece of plastic. However, the car assumed it was a solid object and immediately the autopilot disengaged / icon vanished and it went in manual driving mode . no warning , no red lights flashing , no take over immediately. It just silently vanished maybe 1 sec before what it probably thought was an impact . I wonder if they program this for autopilot so they don’t record as many accidents occurring under its watch. test it out with your car if you don’t believe me lol.

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[SlegMD]

Cybertruck need a good update lol

 

[CybertruckWraps]

Are they going to give you a prorate discount for however many miles you use FSD?

How are they going to tell? Dongle? Self-report? What?

-Crissa

From what I can tell it will probably just get a key like any other third party app to get the data stream. For everyone else. Yes, FSD isn’t perfect but when compared to humans, it looks pretty perfect….

 

[John Helms]

I would estimate that FSD can drive me 95% of my driving without intervention. One nuisance mistake it always always makes is attempting to turn into a shopping center (which has its own turn lane) instead of the upcoming main road. Other than that, very good.
if that 95% was essentially insured for “free” I would like that!

sandman,
I have a 2024 model three hardware four and a 2024 cyber truck HW4 believe me there is a huge difference between the performance of my model three and the truck I’m seeing improvements and I’m hoping that soon the truck will perform as good as the model three which is almost perfect. The truck does have problems, though I guess it’s due to the four-wheel steering, but it’s gonna get better guys.

 

[CybertruckWraps]

Also, I will add that FSD actually makes and ensures the driver is paying attention in addition to the car driving itself. So essentially you have a drone with a backup human pilot forced to pay attention in case the computer fails. Although if said human was driving, it would be more distracted than FSD would allow for, and no one is there to care and also that said human is in control of the vehicle. So in short FSD is safer in both aspects of the computer does the majority of the grunt work and the human is monitored and making sure they are alert and ready to take over. For now that’s better than any full manual driving and better than any unsupervised self driving also.

 

[Jhodgesatmb]

Yikes... I use FSD for nearly 90 percent of my driving and drive around 900 miles a week.. And it hasn't ever hit anything other than a couple potholes. If i had a situation where it hit the median, I'd probably be scared away from using it for a long time.

I had heard others say that the CT on FSD would hit a median but it had never happened to me so I guess I was too casual. Mind you, it only hit the curb of the median and only a little (I.e., no damage as far as I can tell) and it happened pretty quickly and it took several seconds for me to disengage - but ‘it’ didn’t disengage.

 

[hemiarch]

I had heard others say that the CT on FSD would hit a median but it had never happened to me so I guess I was too casual. Mind you, it only hit the curb of the median and only a little (I.e., no damage as far as I can tell) and it happened pretty quickly and it took several seconds for me to disengage - but ‘it’ didn’t disengage.

I feel like THAT could cause an accident. Sudden unexpected disengagement mid turn when the car just got unbalanced by a curb.
glad it didn’t disengage actually.

 

[Crissa]

Yes, FSD isn’t perfect but when compared to humans, it looks pretty perfect….

It's not as good as a human yet. But with a human, it's better than either alone. Eventually it'll exceed humans.

-Crissa

 

[That Beast Mode]

sandman,
I have a 2024 model three hardware four and a 2024 cyber truck HW4 believe me there is a huge difference between the performance of my model three and the truck I’m seeing improvements and I’m hoping that soon the truck will perform as good as the model three which is almost perfect. The truck does have problems, though I guess it’s due to the four-wheel steering, but it’s gonna get better guys.

I agree with this, they gave me a model 3 as a loaner once with fsd and it felt so much more confident in its decisions. It didn't feel like it was hesitating or thinking about its next turn or lane change, it just did it and did it well

 

[Gaximus]

To get this insurance you have to share all your driving habits with the company. That feels very wrong to me for some reason. Maybe its just me, but i don't want a company changing its rates based on how I use a product I own.

 

[Crissa]

To get this insurance you have to share all your driving habits with the company. That feels very wrong to me for some reason. Maybe its just me, but i don't want a company changing its rates based on how I use a product I own.

That's what influences the risks they're insuring, tho.

-Crissa

 

[hemiarch]

Yeah. With @Crissa on this one. I mean, if your business model is about better actuarial science, you ought to have actuarial data to do it with.
I understand the privacy concern but arguably that privacy privilege costs you something which in this case would be the price difference between this premium and a conventional one.

 

[PhilEsq]

Will have to see how they handle FSD required disengagements (still a lot) or claims on or off FSD. Especially if ASS is released in time, etc. They have to make a profit and Tesla's can be just as $$$ to fix for sure or total at times still.

As of now FSD does not drive safe for us every day. I can confidently say it would crash at least 3 times on my ~15 mile drive to/from town in at least ~4 spots that it always makes the same deadly mistake.

I wonder why it doesn't seem to work very well in some geographic areas or maybe with some vehicles or drivers. I am on Long Island NY and it has been nearly flawless since last Jan/Feb. The only problem I have is the camera having difficult at times because the interior side of the glass is cloudy from off-gassing and Tesla service does not want me to clean it myself.

 

[Crissa]

Yeah. With @Crissa on this one. I mean, if your business model is about better actuarial science, you ought to have actuarial data to do it with.
I understand the privacy concern but arguably that privacy privilege costs you something which in this case would be the price difference between this premium and a conventional one.

I do agree there should be some things which they tend to price in that maybe they shouldn't; things that you may not have control over like neighborhoods you drive in, or what time of day that you drive.

But that's why we banned insurance based upon live data in California. They can do sampling, but they need to give a price that won't just fluctuate wildly. Each state currently has different rules as we deal with how different states view privacy and fairness in pricing.

-Crissa

 

[hemiarch]

I do agree there should be some things which they tend to price in that maybe they shouldn't; things that you may not have control over like neighborhoods you drive in, or what time of day that you drive.

But that's why we banned insurance based upon live data in California. They can do sampling, but they need to give a price that won't just fluctuate wildly. Each state currently has different rules as we deal with how different states view privacy and fairness in pricing.

-Crissa

Hadn’t thought of the complexity of how insurance companies could abuse that. Hmmm.
Just goes to show not everything that sounds good in theory results in an improvement in practice.

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