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About us - Tharki Engineer is a YouTube channel, where you will find most funniest things, jokes, meams, trending topic and much more.
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Produced by - Tharki Engineer / Loveonfloor
Edited by - Tejpratap singh
What other auto insurer can say it ONLY insuresa fleet of vehicles that are: Way safer than anything else on the road ANDwill continue to get safer over time? Answer: none. For now. Autonomy And that brings us to autonomy, or full self-driving. As we transition to autonomous driving, therewill still be accidents. Less than if these vehicles were being humandriven, but stuff happens. Tesla themselves have said that when a fullyautonomous Tesla crashes, the software is at fault. As in, Tesla is liable, not the owner of thevehicle. Had Tesla not entered the insurance space,this could be a big, BIG problem. What insurer is going to provide insurancefor a self-driving car? How will they price risk? It’s so radically different and new thatit’s hard to imagine how things would play out. My best guess is extraordinarily high premiumsuntil insurers gather enough real world data to begin pricing better. The timing of Tesla insurance is impeccableand, I may be hallucinating here but, I get the feeling Tesla are offering insurance NOWso that when autonomy is solved, they’ll already have trekked into the uncharted terrainof insurance around self-driving vehicles and have a competitively priced product thatgives owners peace of mind. Whether you believe Tesla solves full self-drivingthis year, or this decade, doesn’t matter. When they do, and the robotaxi fleet awakens,you can bet Tesla Insurance will be there to give robotaxi owners peace of mind. Pricing Pressure So far, most Calirofnian Tesla Insurance customersare paying premiums around 20% lower than competitors. In some cases this is as much as 30% lower. This has two effects. The first is that many budget-conscious customerswill make the switch to Tesla insurance to save money. The second is to put pricing pressure on otherinsurers. It’s no secret that today, most
companiescharge through the nose to insure a Tesla. Why? It’s new and their actuaries don’t haveenough data to clearly price risk, so they take a conservative approach to pricing. Tesla publishing their quarterly safety dataand itself offering competitive insurance premiums will put pricing pressure on otherinsurers. At least, if they want any hope of insuringTesla vehicles in the future. But remember, no matter how much safety dataTesla does publish, no one will have access to the same depth and breadth of individualdriver data than Tesla. No one will be able to compete on price unlessthey suffer lower margins. Fat Float Back to legendary investor Warren Buffet. I mentioned he built his empire on the backof insurance companies. But how? Let's read about “the float”: Float, or available reserve, is the amountof money on hand at any given moment that an insurer has collected in insurance premiumsbut has not paid out in claims.
