Read in Teslarati post today that a Tesla owner in Illinois filed a class action suit against Tesla Insurance in late April 2022. Issue is owner's monthly insurance premiums keep going up as his monthly driver safety score keeps getting worse due to phantom braking. Anyone else with Tesla Insurance experiencing the same issue thru no fault of their own?
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Tesla Insurance
- Thread starter Badgerfan
- Start date
iamnid
Active Member
I haven't had that experience but I've noticed the car freaking out about lane departures lately when I'm simply pulling out of a parking spot in a parking lot. It's annoying but it would be especially bad if my rates were tied to it
Please clarify--are you covered by Tesla Insurance, Geico, Liberty, etc?
iamnid
Active Member
Tesla insurance but I'm in California where they don't take into account driving performance (Tesla's score) for insurance rate.
So if I'm reading into Tesla insurance correctly it looks like your "safety score" is calculated by the camera warning systems in the car and the g-meter sensor.
Just this week alone I've had all of these events:
www.tesla.com
Just this week alone I've had all of these events:
- Collision avoidance event where it saw a car in my blind spot and prevented me from changing lanes. There was no car in the lane immediately next to me.
- Forward collision braking. No possibility of me hitting the vehicle in front of me.
- I had to slam on my brakes to avoid someone making a left turn across the road without looking.
Insurance | Tesla
Tesla vehicles are some of the most advanced on the road, and with Tesla Insurance you have access to tools that can help you drive safer. Sign up through the Tesla app and get insurance that rewards you for safe driving behavior.
iamnid
Active Member
It depends where you live. Some states don't allow for driver monitoring to factor into insurance premiums. Thankfully, my state doesn't as, like you, I get lots of warnings for things that are either errors on the car's part or warnings for the bad driving of others. I briefly turned on the safety score in my app and noticed that I had been dinged for stuff I didn't even get warnings for (turning too fast etc). No thanks, I don't want my insurance rate to be based off of that.So if I'm reading into Tesla insurance correctly it looks like your "safety score" is calculated by the camera warning systems in the car and the g-meter sensor.
Just this week alone I've had all of these events:
I didn't do anything wrong and I'd be penalized with this insurance. Unless the worst safety score causes the price to be less than my current insurance there's no chance I would consider switching to this.
- Collision avoidance event where it saw a car in my blind spot and prevented me from changing lanes. There was no car in the lane immediately next to me.
- Forward collision braking. No possibility of me hitting the vehicle in front of me.
- I had to slam on my brakes to avoid someone making a left turn across the road without looking.
View attachment 814652Insurance | Tesla
Tesla vehicles are some of the most advanced on the road, and with Tesla Insurance you have access to tools that can help you drive safer. Sign up through the Tesla app and get insurance that rewards you for safe driving behavior.
For those who are getting dinged for "other" drivers, this is still a valid factor in regional insurance rates. Not just your personal history of traffic infractions/accidents.
Tesla may or may not be gathering data on ALL drivers (even non-Tesla). If you live in an area with bad drivers, your rates may be affected.
Is it fair? Depends on if you are the business or the customer. More data = more justification for higher costs to consumers.
Tesla may or may not be gathering data on ALL drivers (even non-Tesla). If you live in an area with bad drivers, your rates may be affected.
Is it fair? Depends on if you are the business or the customer. More data = more justification for higher costs to consumers.
I have Score 97 with Tesla Insurance which gives me $104/month payment. The most annoying part is the false forward collision warnings, that's absolutely not under my control and this dramatically impacts the driving score. Because of that, there is no way I can get above 97.
And it's not difficult to drive with a high score... just keep a reasonable distance from vehicles, get used to use only regen breaking, don't make an aggressive turns and that's it. Flooring on the green light does not impact the score, so you can still enjoy it.
And it's not difficult to drive with a high score... just keep a reasonable distance from vehicles, get used to use only regen breaking, don't make an aggressive turns and that's it. Flooring on the green light does not impact the score, so you can still enjoy it.
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