Would broad FSD beta affect insurance premium?

[PhantomX]

Does anyone think insurance companies will take potential FSD Beta risks into consideration once it's available for more people to test? I wonder if Tesla can offer a special discounted Tesla Insurance rate for people beta testing FSD, since it is effectively free beta testing that Tesla would otherwise need to pay for test drivers to perform. What do you think?

 

[PhantomX]

"Would broad FSD beta effect insurance premium?"

No... You'll still have to buy insurance. FSD wont take care of getting it for you.

But widespread distribution of the FSD Beta probably will *affect* insurance premiums, and not in a positive way.

Good catch!

 

[dipper]

Interesting subject.

If I am the insurance company and now aware of FSD testing on the road, would I NOT take on the liability for this car with FSD activated as part of the question? After all, Tesla should be liable for software test failure on public roads.

So the insurance company, if I run it, will not even insure the client with that FSD "test" car.

 

[Dan D.]

Does anyone think insurance companies will take potential FSD Beta risks into consideration once it's available for more people to test? I wonder if Tesla can offer a special discounted Tesla Insurance rate for people beta testing FSD, since it is effectively free beta testing that Tesla would otherwise need to pay for test drivers to perform. What do you think?

I looked at my policy and found this exclusion.

-Policy does not apply for a vehicle being operated by remote control without a driver
So that would be Smart Summon = no coverage. Assuming "driver" is supposed to be in the car.

-Nothing specific about test driving autonomous technology unless the driver is convicted of a criminal code offense. So long as the driver doesn't break any criminal laws then. I'm not sure if driving with no hands, entering navigation information while driving, using electronic devices while driving, committing multiple moving violations (such as 10 minutes with AI Driver) etc. qualify as breaking criminal laws.

Probably the insurance exclusions will be updated at some point.

 

[gearchruncher]

-Policy does not apply for a vehicle being operated by remote control without a driver
So that would be Smart Summon = no coverage. Assuming "driver" is supposed to be in the car.

That just sounds like Canadian socialism. Down here in the USA we have the freedom to do what we want and no insurance company can deny us, nor refuse to pay for what couldn't have been my fault since I wasn't even in the car.